# CROSSROADS BANK
YOAKUM, TX · FDIC certificate 10709 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $380.7M | |
| Deposits | $345.4M | |
| Loans and leases | $212.8M | |
| Total equity | $33.4M | |
| Loans / deposits | 60.89% (p14 of band) | 82.04% |
| Liquid assets / assets | 40.92% (p84 of band) | |
| Uninsured deposits / deposits | 21.18% (p33 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.64% (p64 of band) | 10.81% |
| Unrealized securities loss / equity | -31.28% (p12 of band) | -8.10% |
| AOCI / equity | -2.19% (p7 of band) | |
| ROA (annualized) | 2.56% (p95 of band) | 1.28% |
| Net interest margin | 4.20% (p67 of band) | 3.91% |
| Efficiency ratio | 42.74% (p7 of band) | |
| Noncurrent loans | 2.29% (p90 of band) | 0.43% |
| Net charge-offs (annualized) | 0.10% (p84 of band) | |
| Reserve coverage of noncurrent | 50.67% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 16.06% (p20 of band) | |
| Auto loans | $6.9M (3.22% of loans; DQ 3.28%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.8% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | reserve under noncurrent |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | reserve under noncurrent |
| 2022-06 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | charge-offs p90 |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | charge-offs p90 |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | charge-offs p90 |  |
| 2025-06 | 3 |  | charge-offs p90 |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | capital falling |  |
| 2026-03 | 3 |  | capital falling |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-19 [Crossroads Bank Parent Corporation Releases Earnings Report - InkFreeNews.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQWjBnZktFR1o5WDJrUk9ON0s5eTJkWnhZUFZmMkhwX2RWMS1Xd2hjZU5nS1RwM3hwMVNULWI0V3c4VGwwQ3FjLWNzYjlMYmlQTmhCaEpvR1ZCamtZUWNTclAybThfcEZFU2gxc1hwYVc0TmJNMmRKbnd1aW1sczljNzRVRERjaERHX2QyU19xM1VNbldQU1ZXTHdPNA?oc=5) · InkFreeNews.com
- 2021-02-22 [Crossroads Bank (IN) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMiggFBVV95cUxNdjdvdnllSkZKYVZNRnBKRXF6aElXM2pLVmtPd195SmtmVW5FUFVvSVJuV0JZUWhsck5RUXktT2tseWtxaGMxQVNyMThpWXRMdXI1QkFzMDlmMUNsNkZacG13ejhMZEs4c3dxLUJVc09mTnoxM0NoU0VpQ1NrLXVETG9B?oc=5) · SmartAsset
- 2022-04-06 [Jeff Pryor joins Crossroads Bank Board of Directors - Effingham Daily News](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNRmZXYTBVQW9TNlhzZERSZGRGbWticXRaRFpCSU4xVVM2TzNQckRTMkd6NHBoMnh2SjI2ZHU3Z0NjZlA3TUtmaVdRd3lYQjgweG5SaXd0cHhPUHlaY1o4TlQwaHU0YzdnamtNRXpGOGxRMDZuX1BZQ1hjaVRWOVVVY3RCRTZWd0ZPNm1QRF9FX2c2aC1Ya0FFek45TVVKY1pPZUhmZHJmbV93WldRX3k4dW5pRjNGSTNBMnpZLTBPamJQSDJQY3U1X0pJd0MzUVVPdmhrRk5IT0pMV1d0bEtZ?oc=5) · Effingham Daily News
- 2026-07-01 [Crossroads Bank promotes Trey Weber to VP, leasing officer - InkFreeNews.com](https://news.google.com/rss/articles/CBMingFBVV95cUxOZmZ6SkJkbjJWN2tFT0tNWlNCQzdFcEJVcFFhZWFGQnh5bFhkT0U5REhGelpJa095d0gxb2xXQlV2LVFQc0NZLVpkM0tDQUJqa1RXRU9zcm4tTW93SlZ4dVotTXByYUlQMy0yNGxwd2REU1FJc1EydnFZR253Q0cxUEJKRU9XWDRUX25tVUxtWVRMeElyNy1vN1d5dzZBZw?oc=5) · InkFreeNews.com
- 2025-11-25 [Ronnie Adamek - Lavaca County Today](https://news.google.com/rss/articles/CBMidkFVX3lxTFBSYXEwaHhuOWVLUVlRVURyWmpDbUpxNXBhX2M4dUhSQ2dBQ05UcEp0ZjBtSi1JYk1WUzk2SkpHbC1aa282NmZkWW9URUZldEFjY3lwTnhvNVY2a0NZZ1lKMDBtaFYyRGtVV2Q0cG9sQTcyMHduY2c?oc=5) · Lavaca County Today
- 2021-07-10 [John A. Hermann Obituary - Brenham Memorial Chapel](https://news.google.com/rss/articles/CBMicEFVX3lxTE42M1VGbDhBbjFWb05MN2NBRnE3OVZsbGp0elpzWUxwaEpIZGJJZ3BOVTZFWTRRM29PUS1ycFFCMnhDTlpySVJVODM3d2JhOFFVMkQtV19DdE1KbDJjOTVUUkhRQXZwZXh2MlZCVHZJYU4?oc=5) · Brenham Memorial Chapel
- 2022-11-06 [Trey Ross Obituary - Victoria, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE04RlIyRFU5RDhoVlpRS3VudlZvYkVEdndyYmhONEkxSjdHWkZEckR6aTczS3hVVzdrZjdQSGItR0RSZ0ViYUtKU09iMk9HVW93S2NzQUE2Qmd6Wk9saEhfenh0UHptczhlY0JoX0JYcHN6R2hwdVBBZDlySFBmQQ?oc=5) · Dignity Memorial
- 2026-02-02 [A&M-Victoria baseball to honor former player Parker - The Victoria Advocate](https://news.google.com/rss/articles/CBMilgFBVV95cUxNSEtoTWdjUTJoZnphY0U0SHBNR2EybFhYRXNIQkpOdk9KLXNhZzVvZ1B3YXdSREJGZWFwY2pLel9WdVU2c24yUXEzczRpaXNEVWhvZ01XNVJjNDY4LXZFZ3NMNFBFb1IxNEFUczAzR1FBWjE5QmFFcTlxOHVFRExQVTdWVTVYM3otRGxYSVZ4RS1POFlDdmc?oc=5) · The Victoria Advocate

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10709 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/21.json (key "10709", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide