# CROSSROADS BANK
WABASH, IN · FDIC certificate 29839 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $616.1M | |
| Deposits | $548.8M | |
| Loans and leases | $456.2M | |
| Total equity | $52.5M | |
| Loans / deposits | 82.03% (p50 of band) | 82.04% |
| Liquid assets / assets | 21.63% (p38 of band) | |
| Uninsured deposits / deposits | 31.04% (p70 of band) | 25.97% |
| Brokered deposits | 0.82% | |
| Wholesale funding | 2.44% (p44 of band) | |
| FHLB advances / assets | 1.62% | |
| Tier 1 leverage | 9.49% (p23 of band) | 10.81% |
| Unrealized securities loss / equity | -19.82% (p23 of band) | -8.10% |
| AOCI / equity | 1.16% (p96 of band) | |
| ROA (annualized) | 1.13% (p41 of band) | 1.28% |
| Net interest margin | 3.45% (p26 of band) | 3.91% |
| Efficiency ratio | 65.83% (p64 of band) | |
| Noncurrent loans | 1.41% (p82 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | 93.58% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 45.99% (p52 of band) | |
| Auto loans | $8.6M (1.89% of loans; DQ 0.46%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.2% | |
| Employees | 95 | |

## Flags firing in the latest filing

- **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 | brokered >10% |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 4 | capital falling, losing money, charge-offs p90 | brokered >10% |
| 2012-09 | 3 |  | capital falling |
| 2012-12 | 3 | brokered >10% | losing money |
| 2013-03 | 2 |  | charge-offs p90 |
| 2013-06 | 2 | charge-offs p90 | brokered >10% |
| 2013-09 | 2 | brokered >10% | charge-offs p90 |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 5 | wholesale funding >15%, capital falling, deposits shrinking |  |
| 2014-12 | 5 |  |  |
| 2015-03 | 3 |  | capital falling, deposits shrinking |
| 2015-06 | 5 | deposits shrinking, uninsured deposits leaving |  |
| 2015-09 | 3 |  | deposits shrinking, uninsured deposits leaving |
| 2015-12 | 3 |  |  |
| 2016-03 | 4 | capital falling |  |
| 2016-06 | 3 |  | capital falling |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | capital falling |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 3 |  | capital falling |
| 2017-12 | 2 |  | reserve under noncurrent |
| 2018-03 | 2 | reserve under noncurrent | wholesale funding >15% |
| 2018-06 | 0 |  | brokered >10%, reserve under noncurrent |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | reserve under noncurrent | capital falling |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | charge-offs p90 |  |
| 2022-06 | 3 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity | capital falling, charge-offs p90 |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 | securities losses >30% of equity |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | securities losses >30% of equity |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 3 | securities losses >30% of equity, noncurrent p90, reserve under noncurrent |  |
| 2025-03 | 2 |  | securities losses >30% of equity |
| 2025-06 | 2 | securities losses >30% of equity | noncurrent p90 |
| 2025-09 | 2 | deposits shrinking | securities losses >30% of equity |
| 2025-12 | 1 |  | deposits shrinking |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## 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
- 2026-08-19 [Crossroads Bank Parent Corporation Releases Earnings Report - InkFreeNews.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQWjBnZktFR1o5WDJrUk9ON0s5eTJkWnhZUFZmMkhwX2RWMS1Xd2hjZU5nS1RwM3hwMVNULWI0V3c4VGwwQ3FjLWNzYjlMYmlQTmhCaEpvR1ZCamtZUWNTclAybThfcEZFU2gxc1hwYVc0TmJNMmRKbnd1aW1sczljNzRVRERjaERHX2QyU19xM1VNbldQU1ZXTHdPNA?oc=5) · InkFreeNews.com
- 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
- 2022-07-21 [Crossroads Bank Promotes Kim Bolt - News Now Warsaw](https://news.google.com/rss/articles/CBMickFVX3lxTE5LQXN6eXFOc21jRGozNkRDVjliOEstN2twRkpuWFY4OUVaSjU5Nk1mWkpsOXZ4MUZIWGxjSHJXTUUzdzBNNXNTX0RIRjBkRXdVUFdUbmxJM2kyUS1NckVlcVF0WVdVX1Z6YUtwNjFTSmJmdw?oc=5) · News Now Warsaw
- 2025-08-30 [Crossroads Bank Promotes Trey Weber To AVP, Leasing Officer - timesuniononline.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxNemFBN0R1STBNR3FRVUZsNUhWTVkycFlLZEdVZU4yb0ZzdG9uSUx2Tm5idkdzTTQ4WjZwQW5wc0NEdWY1ZE9PZmNRRFNMbWZtdEJ0dksyM2RWMFo0VURiWnhFcWRkZ0tFQWdLUzZiVzREUUdxdUNzYnREMDR5VVZLWlZuYk8wdTVFQkhLdVpNeUVDMEk4M2RUYnFkRHhzWHZaY2tBWQ?oc=5) · timesuniononline.com
- 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
- 2026-02-05 [Structural change—Canada at a crossroads - Bank of Canada](https://news.google.com/rss/articles/CBMigwFBVV95cUxQRmo4QnJsVGlYS0JUUDVMbE9nbXdpc2Y0YThrT2RDWW91TzE1QjdlQm1CVGN3MUNBTWZEUDdjTFBDZGlYcmFZNVpHSEF3Wlc4YUR1V2lSQXhYTGJRWEJ2RE1wakFvS2NGUnhiNlR3ZlFrbGZiTTBtN2lKZkxHdDVMNGtLNA?oc=5) · Bank of Canada
- 2021-02-22 [Crossroads Bank (IN) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMiggFBVV95cUxNdjdvdnllSkZKYVZNRnBKRXF6aElXM2pLVmtPd195SmtmVW5FUFVvSVJuV0JZUWhsck5RUXktT2tseWtxaGMxQVNyMThpWXRMdXI1QkFzMDlmMUNsNkZacG13ejhMZEs4c3dxLUJVc09mTnoxM0NoU0VpQ1NrLXVETG9B?oc=5) · SmartAsset

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29839 (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/15.json (key "29839", 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