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Crossroads Bank

Wabash, IN · Cert 29839 · FFW Corp.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=751 to 755). 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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

80

Q2 2024Q2 2026peer median

Efficiency

47

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

Wabash, IN · Cert 29839 · FFW Corp.

State charter, non-member · FDIC · 7 branches

Q2 2026

$616.1MAssets
$456.2MLoans
$548.8MDeposits
$52.5MEquity
Loan mix
88%RE $345.2M9%C&I $35.5M3%Consumer $11.1MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $487.2M11%Noninterest $61.6MQ2 2025Q2 2026

NIM

4.53%Q2 ’244.71%Q2 ’254.71%Q2 ’26+15%+7%

Non-interest income vs. expense

2.41%Q2 ’242.52%Q2 ’252.51%Q2 ’26+2%0%

Market Position · Fort Wayne, IN · 2026 SOD (annual) · 0.9% share · #17 of 26 inst. · $0.1B of $11.1B

52.8% Wabash
14.1% Whitley
3.7% Kosciusko
4.9% Miami

Executive Summary

  • Earnings: ROA of 1.13%, up 16 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 1.41% of loans (-47 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.49%, up 8 bps from a year ago.
  • Funding: loans stand at 83.13% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.13%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+21 bps YoY

Efficiency Ratio (YTD, annualized)

65.83%-366 bps YoY

Tier 1 Leverage Ratio

9.49%+8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%1.00%1.03%1.12%1.13%+16 bps
Return on Equity12.42%12.53%12.67%13.24%13.33%+92 bps
Net Interest Margin2.86%2.95%2.97%3.10%3.07%+21 bps
Efficiency Ratio69.50%69.11%68.42%66.05%65.83%-366 bps
Non-Interest Burden1.80%1.85%1.84%1.84%1.80%0 bps
Growth
Asset Growth (YoY)0.75%-0.64%1.09%4.36%7.67%+692 bps
Loan Growth (YoY)2.60%1.72%3.22%5.18%6.38%+377 bps
Deposit Growth (YoY)-1.66%-7.22%-2.84%5.22%7.16%+882 bps
Asset Quality
Nonperforming Loans / Loans1.89%1.70%1.54%1.45%1.41%-47 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%+1 bps
Allowance / Loans1.33%1.34%1.33%1.32%1.32%-1 bps
Allowance Coverage of NPLs0.7x0.8x0.9x0.9x0.9x+0.2x
Capital
Tier 1 Leverage Ratio9.41%9.60%9.64%9.69%9.49%+8 bps
Total Risk-Based Capital14.94%15.20%15.14%14.38%15.19%+25 bps
Equity / Assets7.99%8.37%8.53%8.43%8.53%+54 bps
Liquidity & Funding
Loans / Deposits83.74%88.02%85.43%84.37%83.13%-61 bps
Liquid Assets / Assets0.63%0.77%0.64%1.85%3.73%+310 bps
CRE / Total Capitaln/a159.91%169.41%177.65%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

Wabash, IN · Cert 29839 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · FFW Corp.

State charter, non-member · FDIC · 7 branches

Q2 2026

$616.1MAssets
$456.2MLoans
$548.8MDeposits
$52.5MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 70% of banks under $1B in assets operating in a single state (rank 227 of 755).
  • Widest gap: nonperforming loans / loans trails 83% of banks under $1B in assets operating in a single state (rank 621 of 751).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.10%

Rank 352 of 755

Net Interest Margin

3.07%

Rank 596 of 755

Efficiency Ratio

65.83%

Rank 402 of 755

Equity / Assets

8.53%

Rank 608 of 755

Non-interest income vs. expense

$4.4M$15.6MINCOMEEXPENSE
Unfavorable gap of $11.2M · efficiency ratio beats 47% of banks under $1B in assets operating in a single state
Bank 65.83%Peer median 64.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.10%0.72%1.06%1.45%Beats 53%352 / 755
Return on Equity12.95%6.66%10.44%13.61%Beats 70%227 / 755
Net Interest Margin3.07%3.15%3.68%4.17%Beats 21%596 / 755
Efficiency Ratio65.83%55.75%64.78%75.61%Beats 47%402 / 755
Asset Quality
Nonperforming Loans / Loans1.41%0.09%0.42%1.05%Beats 17%621 / 751
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 62%287 / 751
Capital
Tier 1 Capital Ratio13.93%11.56%13.81%17.74%Beats 51%368 / 755
Total Risk-Based Capital Ratio15.19%11.72%14.46%18.53%Beats 57%328 / 755
Equity / Assets8.53%8.93%10.56%13.13%Beats 19%608 / 755
Liquidity & Funding
Loans / Deposits83.13%62.43%78.62%91.00%59th pctl307 / 755
Loans / Assets74.04%54.70%67.27%76.55%68th pctl245 / 755
Brokered Deposits / Depositsn/aNot reported for this institution