Crossroads Bank: how it compares with its peers
Against 139 TX banks with half to twice its assets, Crossroads Bank's strongest measure in Q2 2026 is return on assets (2.56% vs. a 1.43% peer median). Its weakest relative measure is net interest margin (4.20% vs. 4.18%).
| Measure | Crossroads Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.56% | 1.43% | Top third Ahead of 95% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.20% | 4.18% | Middle third Ahead of 52% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 42.74% | 61.86% | Top third Ahead of 89% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $7.1M | Middle third Ahead of 61% of peers |
| Loans to deposits Net loans and leases over total deposits. | 60.89% | 72.09% | Context |
What it means for lending operations
Its efficiency ratio of 42.74% is better than the 61.86% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Lamar National Bank Paris, TX · $376M
- Yoakum Bank Yoakum, TX · $386M
- Gilmer National Bank, Gilmer, Texas Gilmer, TX · $374M
- The MINT National Bank Kingwood, TX · $389M
- Lakeside Bank Rockwall, TX · $389M
- First State Bank Stratford, TX · $372M
Questions about Crossroads Bank
How big is Crossroads Bank?
Crossroads Bank, established in 1931, is headquartered in Yoakum, TX. It reported $381M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Crossroads Bank's return on assets?
2.56% annualized in Q2 2026, against a 1.43% median for 139 TX banks with half to twice its assets, ahead of 95% of them.
What is Crossroads Bank's efficiency ratio?
42.74% in Q2 2026: it spent about 43 cents in noninterest expense for each dollar of revenue. The peer median is 61.86%, and lower is better.
Is Crossroads Bank growing its loans?
Net loans grew 4.0% over the year to Q2 2026, while deposits grew 6.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.