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
Unfavorable gap of $3.0M · efficiency ratio beats 93% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.41% | 0.74% | 1.04% | 1.35% | Beats 80% | 29 / 148 | |
| Return on Equity | 9.99% | 6.82% | 9.34% | 12.94% | Beats 57% | 63 / 148 | |
| Net Interest Margin | 3.02% | 3.04% | 3.45% | 3.85% | Beats 24% | 113 / 148 | |
| Efficiency Ratio | 46.97% | 54.64% | 64.64% | 72.22% | Beats 93% | 11 / 148 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.20% | 0.66% | 1.77% | Beats 86% | 22 / 146 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 27 / 146 | |
| Capital |
| Tier 1 Capital Ratio | 15.97% | 11.87% | 14.21% | 19.02% | Beats 63% | 55 / 148 | |
| Total Risk-Based Capital Ratio | 15.97% | 12.22% | 14.72% | 19.93% | Beats 57% | 63 / 148 | |
| Equity / Assets | 14.08% | 9.29% | 10.67% | 12.50% | Beats 85% | 22 / 148 | |
| Liquidity & Funding |
| Loans / Deposits | 72.61% | 54.39% | 71.02% | 80.75% | 53rd pctl | 69 / 146 | |
| Loans / Assets | 60.32% | 46.03% | 61.31% | 68.01% | 47th pctl | 79 / 148 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |