Crosspoint Bank
Overland Park, KS · Cert 58648 · Peer group: banks $1B-$10B in assets (n=289-295)
FDIC · 16 branches
Q1 2025
$7.4BAssets
$6.0BLoans
$6.5BDeposits
$764.4MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 56% of banks $1B-$10B in assets (rank 130 of 295).
- Widest gap: net interest margin trails 99% of banks $1B-$10B in assets (rank 291 of 295).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
-1.85%
Rank 293 of 295
Net Interest Margin
1.19%
Rank 291 of 295
Efficiency Ratio
104.31%
Rank 289 of 293
Equity / Assets
10.26%
Rank 130 of 295
Non-interest income vs. expense
Unfavorable gap of $92.9M · efficiency ratio beats 2% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.85% | 0.66% | 0.99% | 1.28% | Beats 1% | 293 / 295 | | |
| Return on Equity | -18.07% | 6.86% | 10.32% | 12.56% | Beats 1% | 293 / 295 | | |
| Net Interest Margin | 1.19% | 2.78% | 3.17% | 3.67% | Beats 1% | 291 / 295 | | |
| Efficiency Ratio | 104.31% | 55.64% | 64.40% | 72.15% | Beats 2% | 289 / 293 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.79% | 0.14% | 0.43% | 0.88% | Beats 29% | 206 / 289 | | |
| Net Charge-Offs / Loans | 0.48% | 0.00% | 0.01% | 0.03% | Beats 4% | 279 / 289 | | |
| Capital |
| Tier 1 Capital Ratio | 9.60% | 11.30% | 12.70% | 14.80% | Beats 3% | 286 / 295 | | |
| Total Risk-Based Capital Ratio | 10.27% | 12.21% | 13.57% | 15.83% | Beats 4% | 282 / 295 | | |
| Equity / Assets | 10.26% | 8.74% | 9.92% | 11.39% | Beats 56% | 130 / 295 | | |
| Liquidity & Funding |
| Loans / Deposits | 92.69% | 77.01% | 86.08% | 94.78% | 69th pctl | 91 / 290 | | |
| Loans / Assets | 81.07% | 65.46% | 73.72% | 80.10% | 78th pctl | 63 / 289 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |