Crossroads Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 1.20 percentage points lower than in Q1 2026, at 35.73%. On return on assets, Crossroads Bank ranks 16th highest among the 345 banks headquartered in Texas, at 2.67% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Crossroads Bank reported 2.67% on return on assets in Q2 2026, 1.42 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.64% |
| Equity capital to assets | 8.76% |
| Tangible equity to tangible assets | 8.76% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.29% |
| Non-performing assets ratio | 1.38% |
| Net charge-off ratio | 0.16% |
| Texas ratio | 14.63% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 50.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.67% |
| Return on equity | 30.65% |
| Net interest margin | 4.26% |
| Efficiency ratio | 41.38% |
| Yield on earning assets | 5.76% |
| Cost of funds | 1.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.60% |
| Core deposits to total deposits | 89.30% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.75% |
| Securities to assets | 35.73% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.00% | 1.80% | 3.63% | 2.63% | 0.98% |
| Q4 2023 | 10.94% | 1.28% | 3.69% | 2.61% | 0.22% |
| Q1 2024 | 10.95% | 1.85% | 3.78% | 2.78% | -0.00% |
| Q2 2024 | 11.34% | 1.84% | 3.76% | 2.87% | 0.20% |
| Q3 2024 | 11.41% | 1.98% | 3.88% | 2.90% | 0.07% |
| Q4 2024 | 10.93% | 1.48% | 4.01% | 2.81% | 0.11% |
| Q1 2025 | 11.20% | 1.84% | 3.96% | 2.36% | 0.26% |
| Q2 2025 | 11.36% | 2.30% | 4.05% | 2.34% | 0.05% |
| Q3 2025 | 11.30% | 2.33% | 4.05% | 2.42% | 0.02% |
| Q4 2025 | 10.74% | 1.61% | 4.09% | 2.32% | 0.38% |
| Q1 2026 | 11.11% | 2.49% | 4.11% | 2.27% | 0.19% |
| Q2 2026 | 11.64% | 2.67% | 4.26% | 2.29% | 0.16% |
Crossroads Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Crossroads Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Crossroads Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10709) · FFIEC NIC profile (RSSD 564463)