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Crossroads Bank

Effingham, IL · Cert 21486 · Omni Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IL (n=146 to 148). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

68

Q2 2024Q2 2026peer median (50)

Asset Quality

93

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

93

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Crossroads Bank

Effingham, IL · Cert 21486 · Omni Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$234.7MAssets
$141.6MLoans
$195.0MDeposits
$33.0MEquity
Loan mix
83%RE $116.7M16%C&I $22.5M1%Consumer $0.8MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $165.9M15%Noninterest $29.1MQ2 2025Q2 2026

NIM

4.10%Q2 ’244.36%Q2 ’254.59%Q2 ’26+13%+9%

Non-interest income vs. expense

1.48%Q2 ’241.62%Q2 ’251.56%Q2 ’26+14%+2%

Executive Summary

  • Earnings: ROA of 1.39%, up 35 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.06% of loans (+6 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.97%, down 57 bps from a year ago.
  • Funding: loans stand at 72.61% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.39%+35 bps YoY

Net Interest Margin (YTD, annualized)

3.02%+25 bps YoY

Efficiency Ratio (YTD, annualized)

46.97%-450 bps YoY

Tier 1 Leverage Ratio

15.97%-57 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.05%1.11%1.48%1.39%+35 bps
Return on Equity7.89%7.86%8.29%11.08%10.23%+234 bps
Net Interest Margin2.77%2.78%2.70%2.94%3.02%+25 bps
Efficiency Ratio51.47%51.27%49.99%49.35%46.97%-450 bps
Non-Interest Burden1.24%1.25%1.18%1.30%1.26%+2 bps
Growth
Asset Growth (YoY)-0.16%1.80%8.37%9.85%6.61%+677 bps
Loan Growth (YoY)3.26%11.82%8.43%2.26%-3.57%-683 bps
Deposit Growth (YoY)-1.89%0.50%5.79%7.82%5.73%+762 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.04%0.06%+6 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.01%1.01%1.02%1.00%1.04%+3 bps
Allowance Coverage of NPLsn/an/an/a23.7x16.7xn/a
Capital
Tier 1 Leverage Ratio16.54%16.39%15.63%15.75%15.97%-57 bps
Total Risk-Based Capital16.54%16.39%15.63%15.75%15.97%-57 bps
Equity / Assets13.32%13.76%13.40%13.32%14.08%+76 bps
Liquidity & Funding
Loans / Deposits79.61%82.87%76.18%69.80%72.61%-701 bps
Liquid Assets / Assets3.24%1.88%8.70%13.85%11.20%+796 bps
CRE / Total Capitaln/a268%263%243%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Crossroads Bank

Effingham, IL · Cert 21486 · Peer group: banks under $1B in assets in IL (n=146-148) · Omni Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$234.7MAssets
$141.6MLoans
$195.0MDeposits
$33.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 27 of 146).
  • Widest gap: net interest margin trails 76% of banks under $1B in assets in IL (rank 113 of 148).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.41%

Rank 29 of 148

Net Interest Margin

3.02%

Rank 113 of 148

Efficiency Ratio

46.97%

Rank 11 of 148

Equity / Assets

14.08%

Rank 22 of 148

Non-interest income vs. expense

$0.7M$3.7MINCOMEEXPENSE
Unfavorable gap of $3.0M · efficiency ratio beats 93% of banks under $1B in assets in IL
Bank 46.97%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.41%0.74%1.04%1.35%Beats 80%29 / 148
Return on Equity9.99%6.82%9.34%12.94%Beats 57%63 / 148
Net Interest Margin3.02%3.04%3.45%3.85%Beats 24%113 / 148
Efficiency Ratio46.97%54.64%64.64%72.22%Beats 93%11 / 148
Asset Quality
Nonperforming Loans / Loans0.06%0.20%0.66%1.77%Beats 86%22 / 146
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 100%27 / 146
Capital
Tier 1 Capital Ratio15.97%11.87%14.21%19.02%Beats 63%55 / 148
Total Risk-Based Capital Ratio15.97%12.22%14.72%19.93%Beats 57%63 / 148
Equity / Assets14.08%9.29%10.67%12.50%Beats 85%22 / 148
Liquidity & Funding
Loans / Deposits72.61%54.39%71.02%80.75%53rd pctl69 / 146
Loans / Assets60.32%46.03%61.31%68.01%47th pctl79 / 148
Brokered Deposits / Depositsn/aNot reported for this institution