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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 $0.8MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $165.9M15%Noninterest $29.1MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.01%0.97%1.04%1.05%1.11%1.48%1.39%+35 bps
Return on Equity7.86%7.94%7.42%7.89%7.86%8.29%11.08%10.23%+234 bps
Net Interest Margin2.46%2.45%2.62%2.77%2.78%2.70%2.94%3.02%+25 bps
Efficiency Ratio52.77%52.97%52.94%51.47%51.27%49.99%49.35%46.97%-450 bps
Non-Interest Burden1.13%1.12%1.21%1.24%1.25%1.18%1.30%1.26%+2 bps
Growth
Asset Growth (YoY)7.48%1.97%-2.21%-0.16%1.80%8.37%9.85%6.61%+677 bps
Loan Growth (YoY)3.69%-0.24%-2.18%3.26%11.82%8.43%2.26%-3.57%-683 bps
Deposit Growth (YoY)3.60%2.78%-2.34%-1.89%0.50%5.79%7.82%5.73%+762 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.04%0.06%+6 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.99%0.99%1.02%1.01%1.01%1.02%1.00%1.04%+3 bps
Allowance Coverage of NPLs1383.0x1377.0x1394.0xn/an/an/a23.7x16.7xn/a
Capital
Tier 1 Leverage Ratio15.73%15.51%16.09%16.54%16.39%15.63%15.75%15.97%-57 bps
Total Risk-Based Capital15.73%15.51%16.09%16.54%16.39%15.63%15.75%15.97%-57 bps
Equity / Assets13.42%12.87%13.28%13.32%13.76%13.40%13.32%14.08%+76 bps
Liquidity & Funding
Loans / Deposits74.48%74.33%73.59%79.61%82.87%76.18%69.80%72.61%-701 bps
Liquid Assets / Assets6.73%6.71%7.27%3.24%1.88%8.70%13.85%11.20%+796 bps
CRE / Total Capitaln/an/an/an/a268%263%243%n/an/a