Crossroads Bank (Wabash, IN): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Crossroads Bank is an FDIC-insured commercial bank. The Q2 2026 balance sheet stands at $616M in assets, including $456M in loans. Profitability tracks the broader industry: ROA 1.12%, ROE 13.50%, NIM 3.52%. Capital is comfortably above regulatory requirements, CET1 ratio of 13.93% sits well above the 7% level required once the capital conservation buffer is included. Credit conditions bear watching: 1.58% NPL ratio with a 12.54% Texas Ratio (elevated but below the 100% concern level). It operates 7 branches, primarily in Indiana.
As of June 30, 2026, Crossroads Bank reported a CET1 capital ratio of 13.93%, a return on assets of 1.12%, a nonperforming-loan ratio of 1.58%, a Texas ratio of 12.54%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1205 N Cass St, Wabash, IN 46992
- County
- Wabash
- Metro Area
- Wabash, IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1920
- Former names
- First Federal Savings Bank of Wabash (1987-2008)
- Offices
- 7 domestic
- Employees (FTE)
- 95
- Domestic deposits
- $548.8M
- Allowance for credit losses
- $6.0M
- Net charge-offs (YTD)
- $10K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29839
- Fed RSSD
- 228279
- SEC CIK
- 895401 → filed by FFW CORPORATION
- Website
- www.crossroadsbanking.com →
- Parent Holding Company
- FFW CORPORATION (RSSD 3848258)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Crossroads Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Crossroads Bank, freeCrossroads Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.93% | 1.12% | 1.58% | 12.54% | 3.52% |
| Q1 2026 | 13.13% | 1.11% | 1.61% | 13.05% | 3.47% |
| Q4 2025 | 13.89% | 1.09% | 1.70% | 13.66% | 3.51% |
| Q3 2025 | 13.95% | 1.03% | 1.88% | 15.46% | 3.46% |
| Q2 2025 | 13.69% | 0.98% | 2.06% | 17.58% | 3.34% |
| Q1 2025 | 12.88% | 0.94% | 2.21% | 18.74% | 3.13% |
| Q4 2024 | — | 0.97% | 2.20% | 19.16% | 3.03% |
| Q3 2024 | 13.22% | 0.85% | 1.16% | 9.81% | 2.89% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Crossroads Bank (main office) | Wabash , IN | 46992 | $261.6M |
| 114 West Branch | North Manchester , IN | 46962 | $64.8M |
| W Connexion Way Branch | Columbia City , IN | 46725 | $52.3M |
| South Whitley Branch | South Whitley , IN | 46787 | $48.8M |
| Warsaw Branch | Warsaw , IN | 46582 | $41.8M |
| 500 S Huntington St Branch | Syracuse , IN | 46567 | $40.1M |
| Peru Branch | Peru , IN | 46970 | $39.4M |
Regulatory record
What the public regulatory sources show for Crossroads Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC, OCC (former OTS))
- March 25, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Crossroads Bank
- March 25, 2011, OCC (former OTS): Cease and Desist: Crossroads Bank
- Period: Most recent institution action March 25, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in IN, rank 50 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 232 applications, 205 loans originated, $41.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Crossroads Bank
What are Crossroads Bank's total assets?
As of the Q2 2026 filing, Crossroads Bank reported total assets of $616.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Crossroads Bank headquartered?
Crossroads Bank is headquartered in Wabash, IN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Crossroads Bank founded?
Crossroads Bank was established in 1920, per the FDIC institution directory.
Is Crossroads Bank FDIC-insured?
Yes. Crossroads Bank is an FDIC-insured commercial bank (FDIC Certificate #29839). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Crossroads Bank?
Crossroads Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Crossroads Bank's CET1 capital ratio?
Crossroads Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.93% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Crossroads Bank operate?
Crossroads Bank operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Crossroads Bank's Texas Ratio?
Crossroads Bank's Texas Ratio is 12.54% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Crossroads Bank previously called?
The charter now named Crossroads Bank has also operated as First Federal Savings Bank of Wabash (1987-2008), per FDIC structure-change records.
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