Crossroads Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Crossroads Bank of Yoakum, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.67% | 1.34% | +1.33% | 96th top |
| ROAE | 30.65% | 12.05% | +18.60% | 98th top |
| Net Interest Margin | 4.26% | 3.90% | +0.36% | 68th above |
| Efficiency Ratio | 41.38% | 63.16% | -21.78% | 94th top |
| PPNR / Avg Assets | 2.80% | 1.64% | +1.16% | 94th top |
| Yield on Earning Assets | 5.76% | 5.65% | +0.11% | 57th above |
| Cost of Funds | 1.59% | 1.85% | -0.26% | 64th above |
| Net Interest Spread | 3.80% | 3.35% | +0.45% | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.29% | 0.92% | +1.37% | 11th bottom |
| NPA / Total Assets | 1.38% | 0.67% | +0.71% | 14th bottom |
| NCO / Avg Loans | 0.16% | 0.15% | +0.01% | 14th bottom |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 45th below |
| ACL / NPLs (Coverage) | 50.67% | 1645.82% | -1595.15% | 11th bottom |
| Texas Ratio | 14.63% | 7.15% | +7.48% | 13th bottom |
| Provision / NCO | 106.38% | 1189.86% | -1083.48% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.64% | 12.46% | -0.82% | 60th above |
| Equity / Assets | 8.76% | 11.67% | -2.91% | 24th bottom |
| TCE / Tangible Assets | 8.76% | 11.40% | -2.64% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.60% | 78.65% | -17.05% | 81st top |
| Core Deposit Ratio | 89.30% | 87.09% | +2.21% | 51st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.50% | 6.47% | +2.03% | 78th top |
| Loan Growth (Y/Y) | 3.93% | 7.64% | -3.71% | 42nd below |
| Deposit Growth (Y/Y) | 6.77% | 6.02% | +0.75% | 69th above |
See Crossroads Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Crossroads Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Crossroads Bank profile, how to read a UBPR, or how this data updates.