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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

4.62%Q2 ’244.80%Q2 ’254.83%Q2 ’26+17%+7%

Non-interest income vs. expense

2.41%Q2 ’242.55%Q2 ’252.57%Q2 ’26+6%-1%

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 1.15%, up 14 bps year over year; NIM at 3.15%.
  • 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 (quarter, annualized)

1.15%+14 bps YoY

Net Interest Margin (quarter, annualized)

3.15%+20 bps YoY

Efficiency Ratio (quarter, annualized)

65.63%-347 bps YoY

Tier 1 Leverage Ratio

9.49%+8 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.05%1.11%1.12%1.15%+14 bps
Return on Equity12.61%12.87%13.10%13.24%13.50%+89 bps
Net Interest Margin2.95%3.09%3.13%3.10%3.15%+20 bps
Efficiency Ratio69.10%68.36%66.45%66.05%65.63%-347 bps
Non-Interest Burden1.86%1.92%1.89%1.84%1.84%-2 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