# CROSS BANK
WYNNE, AR · FDIC certificate 13821 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $593.5M | |
| Deposits | $480.7M | |
| Loans and leases | $478.2M | |
| Total equity | $62.6M | |
| Loans / deposits | 97.66% (p86 of band) | 82.04% |
| Liquid assets / assets | 16.99% (p21 of band) | |
| Uninsured deposits / deposits | 25.95% (p50 of band) | 25.97% |
| Brokered deposits | 14.86% | |
| Wholesale funding | 22.68% (p95 of band) | |
| FHLB advances / assets | 6.34% | |
| Tier 1 leverage | 10.45% (p44 of band) | 10.81% |
| Unrealized securities loss / equity | -2.90% (p73 of band) | -8.10% |
| AOCI / equity | 0.00% (p75 of band) | |
| ROA (annualized) | 1.91% (p84 of band) | 1.28% |
| Net interest margin | 4.91% (p92 of band) | 3.91% |
| Efficiency ratio | 40.51% (p6 of band) | |
| Noncurrent loans | 2.47% (p92 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p54 of band) | |
| Reserve coverage of noncurrent | 74.09% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 44.23% (p51 of band) | |
| Auto loans | $977,000 (0.20% of loans; DQ 0.51%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.4% | |
| Employees | 91 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | loans exceed deposits |  |
| 2011-12 | 1 | capital falling | reserve under noncurrent, loans exceed deposits |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 2 | charge-offs p90 |  |
| 2012-12 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | loans exceed deposits |  |
| 2013-12 | 1 | capital falling | loans exceed deposits |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | loans exceed deposits |  |
| 2014-12 | 0 |  | loans exceed deposits |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | loans exceed deposits |  |
| 2015-09 | 3 | wholesale funding >15%, capital falling |  |
| 2015-12 | 0 |  | loans exceed deposits, wholesale funding >15%, capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | liquid assets <10% |  |
| 2016-09 | 0 |  | liquid assets <10% |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 3 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2017-12 | 0 |  | loans exceed deposits, liquid assets <10%, capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | liquid assets <10% |  |
| 2018-09 | 3 | loans exceed deposits, capital falling |  |
| 2018-12 | 0 |  | liquid assets <10%, loans exceed deposits, capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 3 | loans exceed deposits, liquid assets <10%, charge-offs p90 |  |
| 2019-09 | 3 | capital falling | charge-offs p90 |
| 2019-12 | 0 |  | loans exceed deposits, liquid assets <10%, capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | liquid assets <10%, capital falling |  |
| 2020-09 | 3 | loans exceed deposits |  |
| 2020-12 | 0 |  | liquid assets <10%, capital falling, loans exceed deposits |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | liquid assets <10% |  |
| 2021-09 | 2 | loans exceed deposits |  |
| 2021-12 | 0 |  | liquid assets <10%, loans exceed deposits |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2022-12 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | liquid assets <10% |  |
| 2023-12 | 0 |  | liquid assets <10% |
| 2024-03 | 0 |  |  |
| 2024-06 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2024-09 | 3 | wholesale funding >15%, capital falling | liquid assets <10% |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | brokered >10%, construction >100% equity | loans exceed deposits |
| 2025-06 | 3 |  | construction >100% equity |
| 2025-09 | 2 |  | capital falling |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 4 | noncurrent p90, reserve under noncurrent |  |

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

- 2022-09-06 [Cross County Bank to unify operations under Cross Bank name - Talk Business & Politics](https://news.google.com/rss/articles/CBMimAFBVV95cUxOU3UtQTZfcWxVdTd3ZU9kN2dUc2hCaE1QYXdTRTZCY3dUVFpzQmlrYzdzNUt2UUdCQzJ2TXp3bmRZUF9FcWdwSGgxQzVnWnRjMlVjV1UzLWJYVkVqZWVSdXVUMDBmZE9jejhpdmZxX21TYjhfTWlsQlJ4cDFLRHR5ZGRQbGhfQ09vSzhjZ0lkNVU0MUFHVXZHRQ?oc=5) · Talk Business &amp; Politics
- 2026-06-24 [Philip Cross: Bank of Canada unapologetic about inflation miss - MSN](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQWENaRnJRYVpBeFB4c0owZWpteENMa0daSHNUekpsQmVIYVhyZHlqbWhrOGp5ZnpXWTZjcTlDTy13SldxSUV4cmtaUWpkNzg5aGNlOE5aTF82UVR0a2FKQ2duVkRGNGJLVHBWalEwZ0tvaXlnbHhtcjRmNmtjS0FFc25haV84RHVJUGFpckR0SFZRN2dZLUZnUnAyNGxsVGlESl9TQ0dSWm5NN1JvblotMkRiYm1CRXlmSG9RanJzdFJ3U3JYYXVZWFoxLUpGeHJBaVVUazktRlV5dw?oc=5) · MSN
- 2025-01-13 [Leadership Moves at Cross Bank, Lyon College, Arkansas Game & Fish & More (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMioAFBVV95cUxOajhfRjJLb2taUEJFSEUxdEdUSmpOWWFKUldtZEgybTRBNWRZZ2l2cy1zTXBWT3BBd2JPZHJGMTRCUnU2aWFsZFE1aXBBcnkybXJISkJ0VndTeUpYdDI3d3BrcVVRZEhDWU8yM0ZDWW5YbllSc0cwdHY5QnVuRnFEMktKaUgzbFZ1blVjMEpUclByeHU4Y0h0N3BUMTFBdGpt?oc=5) · Arkansas Business
- 2024-01-11 [Cross Bank names Gary Edwards as CFO - Talk Business & Politics](https://news.google.com/rss/articles/CBMiekFVX3lxTE1kVUZBMmJWSjN3SEdyTnFZdXNYSEtTM0x6X1hQMkVSdVd2eGxLY2lQM3had2JKT1U1d2lUV0doQUZEajdkSTFSMUhlNTFzWlRaclJqNWdoU2d1LXRhTlJoQTNaRDhfWVFnZ2RtQW1UYk1ZZmttVktBaE9R?oc=5) · Talk Business &amp; Politics
- 2022-09-06 [First Commercial unifies bank under one name - NEA Town Courier](https://news.google.com/rss/articles/CBMikgFBVV95cUxNTWc5c0Fsc0hadjZSVVhYNlUxTVU3MGM3RnhmVC15ZEdaQXVmZVlTZUVWX0ttZG5vMXo5OHRxMUJPalBoVXlSN0dLbi1TZU4tWW5SWHE5VE82V3RXeExSdnJsc1czdHVUbjQ1Rjl0MlF5ZkpXXzY3cnh0UXdRaFZZVjN0T2lYRlczNG51a2diUy1jdw?oc=5) · NEA Town Courier
- 2024-01-12 [Gary Edwards Joins Cross Bank as CFO - Arkansas Business](https://news.google.com/rss/articles/CBMihAFBVV95cUxOc1d0VnZJN0E5and3TVFjWmxUd3VpODBVREdVZVFvUnpTQ1M4R1pldEJjQ2I2YV8zTHpvbkM5QXVsNDlDeWt2eGFudl9uZzdHMDZJSVZXNWpia3dNNEFTNDdoZ09YSk5Cbm96UEE4eUNFVHh5azRMYmNBLUlpOE9HRkJqZ3g?oc=5) · Arkansas Business
- 2022-09-07 [Cross County Bank and First Commercial Bank to Operate Under Unified Brand - Arkansas Business](https://news.google.com/rss/articles/CBMitwFBVV95cUxNUUt3VThzeEZ4Q1VRRHFFYW9BT2RCS0hydFh5OW5Ja01vMF9WRGpneG4tdVlnQWpMUllRM2ZCRnBsOHNJM0Ffelo3V09fa29wUXUtTE1JeHgzeGdzakVGTldaMEt5anlhNU9ST25CaUpLUWtHM2NWYjFPb2hKQVFvZnRmYkY0TnR5ekM0b2ZhQS1ZWGpkRm9aVWxWQ0dtZ0J4azZJWGNJVEItQnc5NWNVYnhWcHF0MEk?oc=5) · Arkansas Business
- 2024-12-23 [Central Bank Forms Holding Company - Arkansas Business](https://news.google.com/rss/articles/CBMiggFBVV95cUxNOUJSdlFYWkxZWmJtWkxGRUhHUU5JU1FGOEdoODM1QUtSU2FsbXdlSHJmQ0pJMG0wb1dSbUNYNk1FT2dSNEU0MHYwR21MSVViRVJyV2lBV3JPU0ZQVExjX2R0LUprN0lCLVN6OE5qMVNkekJwbksyWmktNWEydzcyTThR?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13821 (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/61.json (key "13821", 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