Crossroads Bank: how it compares with its peers
Against 42 IN banks with half to twice its assets, Crossroads Bank's strongest measure in Q2 2026 is return on assets (1.13% vs. a 1.07% peer median). Its weakest relative measure is net interest margin (3.45% vs. 3.72%).
| Measure | Crossroads Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.13% | 1.07% | Middle third Ahead of 57% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.45% | 3.72% | Bottom third Ahead of 29% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.83% | 64.48% | Middle third Ahead of 43% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $6.3M | Middle third Ahead of 52% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.03% | 82.08% | Context |
What it means for lending operations
Its efficiency ratio of 65.83% is above the 64.48% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- DeMotte State Bank Demotte, IN · $622M
- Freedom Bank Huntingburg, IN · $586M
- First Federal Savings Bank Evansville, IN · $576M
- Springs Valley Bank & Trust Company French Lick, IN · $675M
- First Federal Savings Bank Huntington, IN · $554M
- Community State Bank Avilla, IN · $554M
Questions about Crossroads Bank
How big is Crossroads Bank?
Crossroads Bank, established in 1920, is headquartered in Wabash, IN. It reported $616M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Crossroads Bank's return on assets?
1.13% annualized in Q2 2026, against a 1.07% median for 42 IN banks with half to twice its assets, ahead of 57% of them.
What is Crossroads Bank's efficiency ratio?
65.83% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 64.48%, and lower is better.
Is Crossroads Bank growing its loans?
Net loans grew 6.4% over the year to Q2 2026, while deposits grew 7.2%.
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 IN 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 Indiana bank ranked.