Crossroads Bank

BankEffingham, Illinois
www.crossroadsbank.com

Total Assets

$237.2M

Total Deposits

$198.8M

Branches

2

Established

1974

TFS Health Grade

$
C

73.8 / 100

Average financial health

How we grade

Crossroads Bank is a bank headquartered in Effingham, Illinois, established in 1974. With $237.2M in total assets and 2 branch locations, it has a TFS Financial Health Grade of C (73.8/100).

Capital & Safety

Tier 1 Capital Ratio
15.63%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
1.11%(1%)
Return on Equity (ROE)
8.29%(10%)
Net Interest Margin
3.00%
Efficiency Ratio
49.99%(60%)

Lending & Liquidity

Total Loans
$151.5M
Loan-to-Deposit Ratio
75.41%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+8.37%
Deposit Growth (YoY)
+5.79%
Net Income
$2.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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