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Crossroads Bank
Effingham, IL · FDIC Certificate #21486 · Chartered 03/1
Total assets
$234.74M
Total deposits
$195.00M
Total equity
$33.05M
Net loans
$140.12M
Branches (offices)
2
Net income (YTD)
$1.65M
Rank: #2,788 of 4,213 U.S. banks by assets · #177 of 322 in Illinois. Assets changed 6.6% and deposits 5.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.39% |
| Return on equity | 10.23% |
| Net interest margin (YTD) | 3.20% |
| Equity to assets | 14.08% |
| Tier 1 leverage ratio | 15.97% |
| Uninsured deposits (share of deposits) | 10.4% |
| Noncurrent loans (share of loans) | 0.06% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 71.9% |
| Real estate loans (share of loans) | 83.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $116.81M | 83.4% | |
| Commercial & industrial | $23.67M | 16.9% | |
| Consumer / individual | $788.00K | 0.6% | |
| Construction & development | $6.57M | 4.7% | |
| Agricultural | $64.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $211.74M | $186.07M | $1.46M | $24.76M |
| Jun 2023 | $211.95M | $184.98M | $1.42M | $25.80M |
| Jun 2024 | $220.54M | $187.97M | $1.06M | $27.75M |
| Jun 2025 | $220.19M | $184.43M | $1.14M | $29.34M |
| Jun 2026 | $234.74M | $195.00M | $1.65M | $33.05M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $195.00M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $195.00M.
Similar-sized banks
The First National Bank Of Izard County ($234.76M) · Warren-Boynton State Bank ($234.52M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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