Crossroads Bank: how it compares with its peers
Against 145 IL banks with half to twice its assets, Crossroads Bank's strongest measure in Q2 2026 is efficiency ratio (46.97% vs. a 64.64% peer median). Its weakest relative measure is net interest margin (3.20% vs. 3.73%).
| Measure | Crossroads Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.39% | 1.15% | Middle third Ahead of 66% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.20% | 3.73% | Bottom third Ahead of 21% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.97% | 64.64% | Top third Ahead of 93% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.4M | $6.5M | Top third Ahead of 87% of peers |
| Loans to deposits Net loans and leases over total deposits. | 71.86% | 74.70% | Context |
What it means for lending operations
Its efficiency ratio of 46.97% is better than the 64.64% 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
- Warren-Boynton State Bank New Berlin, IL · $235M
- First Federal Savings and Loan Association of Central Illinois, S.B. Shelbyville, IL · $235M
- Anna-Jonesboro National Bank Anna, IL · $234M
- West Central Bank Ashland, IL · $232M
- Farmers State Bank of Hoffman Hoffman, IL · $232M
- Eagle Valley Bank Griggsville, IL · $230M
Questions about Crossroads Bank
How big is Crossroads Bank?
Crossroads Bank, established in 1974, is headquartered in Effingham, IL. It reported $235M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Crossroads Bank's return on assets?
1.39% annualized in Q2 2026, against a 1.15% median for 145 IL banks with half to twice its assets, ahead of 66% of them.
What is Crossroads Bank's efficiency ratio?
46.97% in Q2 2026: it spent about 47 cents in noninterest expense for each dollar of revenue. The peer median is 64.64%, and lower is better.
Is Crossroads Bank growing its loans?
Net loans shrank 3.6% over the year to Q2 2026, while deposits grew 5.7%.
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 IL 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 Illinois bank ranked.