# CROSSROADS BANK
EFFINGHAM, IL · FDIC certificate 21486 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $234.7M | |
| Deposits | $195.0M | |
| Loans and leases | $141.6M | |
| Total equity | $33.0M | |
| Loans / deposits | 71.86% (p47 of band) | 73.59% |
| Liquid assets / assets | 36.23% (p57 of band) | |
| Uninsured deposits / deposits | 10.42% (p16 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.17% (p60 of band) | |
| FHLB advances / assets | 2.17% | |
| Tier 1 leverage | 15.97% (p81 of band) | 11.76% |
| Unrealized securities loss / equity | -21.18% (p21 of band) | -6.57% |
| AOCI / equity | -0.70% (p36 of band) | |
| ROA (annualized) | 1.39% (p62 of band) | 1.17% |
| Net interest margin | 3.20% (p18 of band) | 3.93% |
| Efficiency ratio | 46.97% (p9 of band) | |
| Noncurrent loans | 0.06% (p31 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 1665.91% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 19.89% (p53 of band) | |
| Auto loans | $267,000 (0.19% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.7% | |
| Employees | 25 | |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 1 | capital falling | uninsured deposits leaving |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 | uninsured deposits leaving | capital falling |
| 2016-09 | 0 |  | uninsured deposits leaving |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 0 |  | uninsured deposits leaving |
| 2019-03 | 1 | uninsured deposits leaving |  |
| 2019-06 | 0 |  | uninsured deposits leaving |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | reserve under noncurrent |
| 2021-03 | 1 | reserve under noncurrent | capital falling |
| 2021-06 | 0 |  | reserve under noncurrent |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | uninsured deposits leaving |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | uninsured deposits leaving |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 0 |  | securities losses >30% of equity, capital falling |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2026-09-01 [Crossroads Bank Banker Street Office Closed Due To Power Outage, Keller Drive Location Remaining Open - Effingham Radio](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPYkt2cENfMXQ5VGlLbVRUVUpZaWdnbVV0ZUJzeExnVXRxVUpxcGp1c2RNRk45bW9NOVFyT3VnUEN0UHN3QlZHclVMRWcyZlRqc05zbFJDeWFpZmNPTTUwSVdzaHhMeUtZajRHQ1VUUzk0dDVBM0N4QUlWSWIzbVVFdlgyekd2aU1IVVo2U21tbnd5U291RWJXY1FSS2o0OTZkQTR4QlA0aGtudk1yUnl2SUp5dlpqQnNpaVNkc1JmVk44UlVMSnVGU1ZtcUZSR3pmOEZQT0dJVFRCMDg?oc=5) · Effingham Radio
- 2026-09-01 [Single Vehicle Accident With Injuries In Summit Township - Effingham Radio](https://news.google.com/rss/articles/CBMiowFBVV95cUxNRDBaTWE0Y0tPZGo5OTV1SGVLLXVtendnVFp2azQxbXZ2RF9hYnpsSUlveGJNa1V6c2VYMzB6ek42ZjVHaW83LVZmSngwbFoyc2lSQmVrRG1sTEIxaDZ3QTM0YlQ1c3NDTGxjQjM1c0h0TUx5X0hha2g0RS15QUNkNjhvSnptX0ZRSE1rRzJnZmtTdHlLamdJMkdyRFhyOUNMSTJZ?oc=5) · Effingham Radio
- 2022-03-15 [Crossroads Bank Welcomes Eric C. Zeller as President and Chief Executive Officer - PRWeb](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQRGQweGhLT1BrX24tZWVGbk14SFU3NUJ2cW4ya2ZNM3BnNzVhYlBoazdwa3NFN3I3TEM3QmN4bURMRHpYOXN0QWRkcHh1TGowZzBkbm1aaUMybGhFSmVMVDRBdXltVGtrUVlkd3h2WmM0QkxRY211NUpBWk45RFZTek1YVTMzNExhOThWUDBoYWI5YTBuUDBwbHhOLTFNNzdLN0hnOFpKNnpBVzFLcG5ycDZLOFNoMk14M3B5SXMwN3pOcjA?oc=5) · PRWeb
- 2022-03-15 [Crossroads Bank welcomes Eric Zeller as president and CEO - Effingham Daily News](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOa1ppVHBKWGpINFk3dkFldWlFSG4zWGNXN2taU3F3clJNbUo3UmZRREdIM3JDcVJrT1ktZVYxb19rNVB4VlpTcDBWRHpLbXlPT29tZmJXOG1UVXhLUzVySzBFZE9kYTl6M21FVHdlRzdoajJsNFZfLUhJNkVvUnQ2TFZ6akMyRmdobFcxcnJlSlRpUG4ycDhNbjBPWVNFOTJyZWNuZGxaOW85LUM4cV9sa1FvQnpfb0NoQUVMc0lQT28zc0FSaVJwWm9vTDZObDRremw5ZlAydW1ZNEJ5b0RnbmdQQjQ0d2c?oc=5) · Effingham Daily News
- 2026-03-24 [Effingham Axe Throwing Celebrates New Ownership And Chamber Membership - Effingham Radio](https://news.google.com/rss/articles/CBMiswFBVV95cUxNMU56ZXpncWJGV2UzRkZGanRDRDdpYjdHeDJKckhYeklrTldOR0owZ3h4akhsemMyRHFLUWlCN1FkRWhXbFRvdi1CRUpOQ1NQNGpsTEpwNzVyWUd0cHVKM0p4N1dOWXJHMTd0bFpXVGtydzJqdFdPdllKU3BaT0tfSUhNcWdzMlpsdzN5aE9LcVB1WVc4Q25zUHdhWmRpMk1aVXFJV2tWM0FKSmtXa2MwcGVMcw?oc=5) · Effingham Radio
- 2022-09-11 [Belleville’s Hofbräuhaus remains open as developer’s assets are sold to cover legal troubles - Belleville News-Democrat](https://news.google.com/rss/articles/CBMifkFVX3lxTE5sUXJadzlabjNZNGtlREtpSUdEY2xINUcxZVBpZDVvWUNaZF9IWkdjbGNFY0NobkV0amdVTkRxSk0wYmtSX3VqRjJBU1dXVDZ4X0lKdHF5cEc4anpFcVlOcGpKN0RVOFMtYWRKUHY0M2piTl8zVW1MNzNoTW1tUdIBfkFVX3lxTE9laGZodGJIZkZUS1AzQTF4V0I3WldRS1ZQVGh1SFVSTTNuZVlVYUhxTnlvWlVhV25UOVRTanZyOEU1azFDLXNidl9PWVh3d0dSblpBOVA5NFo5MC02LUZNY3RIelpPU19vWFJFa0NtbDB0MjMwZDJCb3hZa1RjZw?oc=5) · Belleville News-Democrat
- 2024-11-21 [Marissa Banovz (1979–2024) of Bethalto, IL | Obituary - RiverBender.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQSDJmaVlOUzFzYTB0QkJGYXh6WGx4a20tZjYxSXRQTUdyeDk3c3RjTGt5LWpybmNfNHdab083ZzF1ckJKMTFKTVgzUlF6S3JxWG1VTW9LaTdYWXl1cWpTa285TjVDcDNERVk2aGtybGFXMzVZQ1MyanhfWjkyampfTWdOVEk4dDhDZDBncA?oc=5) · RiverBender.com
- 2023-10-27 [Jerry Moon Obituary Oct 27, 2023 - bauerfh.com](https://news.google.com/rss/articles/CBMiWEFVX3lxTE9xM0drbGI2dWYwQTdrZmZOZ1Q2dkxoOGV4NFNDa045dUFnQmR5b1hRaTI5cWFzc2pSZXlaUG9ydm9OdmhmZ2k4Tlh1X1N6N1dCQnBwNXRSTWY?oc=5) · bauerfh.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21486 (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/46.json (key "21486", 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