Mount Washington, KY · Cert 5847 · Crossroads Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Louisville/Jefferson County, KY-IN · 2026 SOD (annual) · 0.2% share · #32 of 43 inst. · $0.1B of $48.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.26% | 1.40% | 1.40% | 1.50% | 1.38% | +12 bps | |
| Return on Equity | 17.85% | 19.23% | 18.87% | 18.74% | 17.13% | -72 bps | |
| Net Interest Margin | 4.32% | 4.45% | 4.58% | 4.64% | 4.71% | +40 bps | |
| Efficiency Ratio | 67.60% | 65.52% | 65.44% | 61.87% | 62.52% | -508 bps | |
| Non-Interest Burden | 2.74% | 2.73% | 2.82% | 2.65% | 2.71% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.98% | 4.75% | 6.06% | 3.05% | -2.52% | -950 bps | |
| Loan Growth (YoY) | 10.39% | 8.16% | 7.35% | 14.02% | 12.33% | +194 bps | |
| Deposit Growth (YoY) | 8.76% | 4.73% | 4.82% | 2.16% | -3.72% | -1,248 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.32% | 0.00% | 0.12% | 1.21% | 1.17% | -15 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.01% | +1 bps | |
| Allowance / Loans | 1.25% | 1.27% | 1.27% | 1.25% | 1.37% | +12 bps | |
| Allowance Coverage of NPLs | 1.0x | n/a | 10.8x | 1.0x | 1.2x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.28% | 10.24% | 10.43% | 10.62% | 10.59% | +31 bps | |
| Total Risk-Based Capital | 14.82% | 15.29% | 14.80% | 14.33% | 14.15% | -67 bps | |
| Equity / Assets | 7.04% | 7.81% | 8.06% | 8.00% | 8.13% | +109 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.96% | 70.06% | 74.14% | 77.37% | 80.46% | +1,149 bps | |
| Liquid Assets / Assets | 11.64% | 10.49% | 7.04% | 5.03% | 2.71% | -892 bps | |
| CRE / Total Capital | n/a | 276% | 287% | 306% | n/a | n/a | |