Cross Keys Bank
Saint Joseph, LA · Cert 9322 · Peer group: banks under $1B in assets in LA (n=51)
FDIC · 9 branches
Q4 2025
$627.0MAssets
$422.3MLoans
$509.3MDeposits
$74.9MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 75% of banks under $1B in assets in LA (rank 13 of 51).
- Widest gap: brokered deposits / deposits trails 86% of banks under $1B in assets in LA (rank 45 of 51).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.81%
Rank 31 of 51
Net Interest Margin
3.27%
Rank 39 of 51
Efficiency Ratio
72.60%
Rank 29 of 51
Equity / Assets
11.94%
Rank 18 of 51
Non-interest income vs. expense
Unfavorable gap of $13.5M · efficiency ratio beats 45% of banks under $1B in assets in LA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.60% | 0.87% | 1.23% | Beats 39% | 31 / 51 | | |
| Return on Equity | 6.74% | 4.22% | 8.15% | 10.75% | Beats 39% | 31 / 51 | | |
| Net Interest Margin | 3.27% | 3.27% | 3.79% | 4.18% | Beats 24% | 39 / 51 | | |
| Efficiency Ratio | 72.60% | 63.83% | 71.14% | 79.73% | Beats 45% | 29 / 51 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.72% | 0.30% | 0.50% | 1.45% | Beats 41% | 31 / 51 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.27% | 11.39% | 13.95% | 16.27% | Beats 75% | 13 / 51 | | |
| Total Risk-Based Capital Ratio | 16.91% | 11.39% | 14.42% | 16.97% | Beats 73% | 14 / 51 | | |
| Equity / Assets | 11.94% | 9.50% | 10.97% | 13.40% | Beats 65% | 18 / 51 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.90% | 57.90% | 81.44% | 90.34% | 57th pctl | 22 / 51 | | |
| Loans / Assets | 67.34% | 49.18% | 68.20% | 76.26% | 45th pctl | 28 / 51 | | |
| Brokered Deposits / Deposits | 1.10% | n/a | n/a | 0.35% | Beats 14% | 45 / 51 | n/a | |