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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.46% | 1.13% | 1.30% | 1.23% | 1.63% | 1.39% | 1.50% | 1.26% | +2 bps | |
| Return on Equity | 19.99% | 15.23% | 18.35% | 17.31% | 22.02% | 17.48% | 18.74% | 15.59% | -172 bps | |
| Net Interest Margin | 4.35% | 4.42% | 4.41% | 4.42% | 4.87% | 4.78% | 4.64% | 4.82% | +39 bps | |
| Efficiency Ratio | 63.28% | 71.45% | 67.35% | 67.82% | 61.81% | 65.20% | 61.87% | 63.12% | -470 bps | |
| Non-Interest Burden | 2.55% | 2.94% | 2.80% | 2.81% | 2.82% | 2.94% | 2.65% | 2.78% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.65% | 3.41% | 4.39% | 6.98% | 4.75% | 6.06% | 3.05% | -2.52% | -950 bps | |
| Loan Growth (YoY) | 10.86% | 12.45% | 10.32% | 10.39% | 8.16% | 7.35% | 14.02% | 12.33% | +194 bps | |
| Deposit Growth (YoY) | 6.34% | 3.42% | 5.93% | 8.76% | 4.73% | 4.82% | 2.16% | -3.72% | -1,248 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 1.46% | 1.41% | 1.32% | 0.00% | 0.12% | 1.21% | 1.17% | -15 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0 bps | |
| Allowance / Loans | 1.29% | 1.26% | 1.27% | 1.25% | 1.27% | 1.27% | 1.25% | 1.37% | +12 bps | |
| Allowance Coverage of NPLs | n/a | 0.9x | 0.9x | 1.0x | n/a | 10.8x | 1.0x | 1.2x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.44% | 10.65% | 10.69% | 10.28% | 10.24% | 10.43% | 10.62% | 10.59% | +31 bps | |
| Total Risk-Based Capital | 15.35% | 14.77% | 15.24% | 14.82% | 15.29% | 14.80% | 14.33% | 14.15% | -67 bps | |
| Equity / Assets | 7.80% | 6.98% | 7.20% | 7.04% | 7.81% | 8.06% | 8.00% | 8.13% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.83% | 72.40% | 69.33% | 68.96% | 70.06% | 74.14% | 77.37% | 80.46% | +1,149 bps | |
| Liquid Assets / Assets | 9.09% | 4.88% | 8.86% | 11.64% | 10.49% | 7.04% | 5.03% | 2.71% | -892 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 276% | 287% | 306% | n/a | n/a | |