Crossroads Bank
Wabash, IN · Cert 29839 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · 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 229 of 752).
- Widest gap: nonperforming loans / loans trails 82% of banks under $1B in assets operating in a single state (rank 618 of 748).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.10%
Rank 358 of 752
Net Interest Margin
3.07%
Rank 600 of 752
Efficiency Ratio
65.83%
Rank 406 of 752
Equity / Assets
8.53%
Rank 605 of 752
Non-interest income vs. expense
Unfavorable gap of $11.2M · efficiency ratio beats 46% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.72% | 1.07% | 1.45% | Beats 52% | 358 / 752 | |
| Return on Equity | 12.95% | 6.78% | 10.58% | 13.65% | Beats 70% | 229 / 752 | |
| Net Interest Margin | 3.07% | 3.18% | 3.69% | 4.17% | Beats 20% | 600 / 752 | |
| Efficiency Ratio | 65.83% | 55.75% | 64.49% | 75.47% | Beats 46% | 406 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.41% | 0.09% | 0.42% | 1.03% | Beats 18% | 618 / 748 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 62% | 287 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 13.93% | 11.55% | 13.75% | 17.60% | Beats 52% | 363 / 752 | |
| Total Risk-Based Capital Ratio | 15.19% | 11.70% | 14.33% | 18.47% | Beats 57% | 324 / 752 | |
| Equity / Assets | 8.53% | 8.93% | 10.56% | 13.13% | Beats 20% | 605 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 83.13% | 62.23% | 78.64% | 91.26% | 59th pctl | 308 / 752 | |
| Loans / Assets | 74.04% | 54.61% | 67.41% | 76.47% | 67th pctl | 245 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |