Cross Bank: how it compares with its peers
Against 30 AR banks with half to twice its assets, Cross Bank's strongest measure in Q2 2026 is efficiency ratio (40.51% vs. a 60.07% peer median). Its weakest relative measure is assets per employee ($6.5M vs. $6.3M).
| Measure | Cross Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.91% | 1.20% | Top third Ahead of 90% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.91% | 3.99% | Top third Ahead of 93% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 40.51% | 60.07% | Top third Ahead of 97% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $6.3M | Middle third Ahead of 57% of peers |
| Loans to deposits Net loans and leases over total deposits. | 97.66% | 82.97% | Context |
What it means for lending operations
Its efficiency ratio of 40.51% is better than the 60.07% 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
- First National Bank of Eastern Arkansas Forrest City, AR · $589M
- Citizens' Bank & Trust Co. Van Buren, AR · $566M
- CS Bank Eureka Springs, AR · $628M
- Fidelity Bank West Memphis, AR · $547M
- First State Bank of DeQueen De Queen, AR · $525M
- First State Bank Russellville, AR · $665M
Questions about Cross Bank
How big is Cross Bank?
Cross Bank, established in 1891, is headquartered in Wynne, AR. It reported $593M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Cross Bank's return on assets?
1.91% annualized in Q2 2026, against a 1.20% median for 30 AR banks with half to twice its assets, ahead of 90% of them.
What is Cross Bank's efficiency ratio?
40.51% in Q2 2026: it spent about 41 cents in noninterest expense for each dollar of revenue. The peer median is 60.07%, and lower is better.
Is Cross Bank growing its loans?
Net loans grew 5.0% over the year to Q2 2026, while deposits shrank 1.4%.
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 AR 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 Arkansas bank ranked.