# CROSS KEYS BANK
SAINT JOSEPH, LA · FDIC certificate 9322 · asset band $300M-1B · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $627.0M | |
| Deposits | $509.3M | |
| Loans and leases | $422.3M | |
| Total equity | $74.9M | |
| Loans / deposits | 82.28% (p52 of band) | 81.53% |
| Liquid assets / assets | 28.13% (p58 of band) | |
| Uninsured deposits / deposits | 42.19% (p89 of band) | 25.77% |
| Brokered deposits | 0.90% | |
| Wholesale funding | 7.20% (p65 of band) | |
| FHLB advances / assets | 4.56% | |
| Tier 1 leverage | 13.49% (p84 of band) | 10.58% |
| Unrealized securities loss / equity | -15.04% (p30 of band) | -7.83% |
| AOCI / equity | 5.19% (p56 of band) | |
| ROA (annualized) | 1.04% (p41 of band) | 1.16% |
| Net interest margin | 3.51% (p37 of band) | 3.74% |
| Efficiency ratio | 72.60% (p76 of band) | |
| Noncurrent loans | 0.72% (p66 of band) | 0.37% |
| Net charge-offs (annualized) | 0.01% (p45 of band) | |
| Reserve coverage of noncurrent | 104.53% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 81.39% (p77 of band) | |
| Auto loans | $875,000 (0.21% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.0% | |
| Employees | 91 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 0 |  | wholesale funding >15% |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | wholesale funding >15% |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | uninsured deposits leaving |  |
| 2015-06 | 1 |  | uninsured deposits leaving |
| 2015-09 | 2 | uninsured deposits leaving |  |
| 2015-12 | 1 |  | uninsured deposits leaving |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | reserve under noncurrent |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 | charge-offs p90 | wholesale funding >15% |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 | noncurrent p90 | charge-offs p90 |
| 2019-09 | 3 | charge-offs p90 |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | charge-offs p90 |
| 2020-06 | 2 | capital falling | noncurrent p90 |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 2 | charge-offs p90 |  |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 0 |  | reserve under noncurrent |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | charge-offs p90 |  |
| 2022-03 | 1 | AOCI drag >20% of equity | charge-offs p90 |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | noncurrent p90, reserve under noncurrent | AOCI drag >20% of equity |
| 2023-06 | 3 | capital falling | noncurrent p90 |
| 2023-09 | 3 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity, reserve under noncurrent, capital falling |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | reserve under noncurrent |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | reserve under noncurrent |

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

- 2026-01-30 [Planters Holding Company Merges With BSJ Bancshares, Inc. - Delta Business Journal](https://news.google.com/rss/articles/CBMikwFBVV95cUxQamtOeVNITnpBeGZlaTZ2YU1aNThlcVpQZzVnWVA0TWdZMW1vbkVZNDAxUWNwYnRLcnVmaTBYMnZJN3NUTUZYWl9BT3pYUHlwcHE1VkgxdUk3ZDBnTkZvZkx6bjNVaDVxU00xS1RwMmpLOWFSZGJVMXhCU0pOdEE4WGRsa3VRM05oMElPejF4QVhCNmc?oc=5) · Delta Business Journal
- 2025-03-13 [Planters Holding Company to Enter North Louisiana and East Texas Markets through Partnership with BSJ Bancshares, Inc. - The Enterprise-Tocsin](https://news.google.com/rss/articles/CBMixgFBVV95cUxNbG1aZk5OSFVTdHYzY1A3Y2dZOFE2RzNDdk9aYkdOMmJOUTNiODBXcHRvbjB5dFI3ZldvYm1fN0c5bFVvbzlsUk1RQXhocTV3ZjdHLVEyVm15S2xkVk9SNHdXZVQ1UjJFWFpkUmVzQklaWlZPZDNPUGNIRkFlRHpoSDVEdW9hUVZ2NGlzVGJzN2U4dERabjhuMHBmX0hmcmRHZmdaNlB5aktUTHMtbE14S2dXNDZHUWJlX1VfSV9zb2g3eEtkUlE?oc=5) · The Enterprise-Tocsin
- 2016-01-27 [Cross Keys Bank names new president - hannapub.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOdG13SWI4aUV2ZU5vZWprQTdIbHJ6Y2FzTFBIOHAta1ZLOVhxRVRBM0t4UE81UFh4SFhhX3N6c2FtM3ZjQ0xQMGM1TVpfcGp5RUNKSl9sRWsxQ3JMN0Nqc0I0RkVBZi1kaWI3X3JNVFljbmlJaG00TGRzMER2cUFYWklkOGdvTEd1RDhqUm9QdjZ5ZVJlZWJ6RHJia2JhVXYxZFBjVlg4WXQ3TldGQlliRDVqMTNDQzlUNzFjRGNpdkdVZzZIeWEySG5PSjIzY2VqbmkzSmFLVDEyZw?oc=5) · hannapub.com
- 2025-04-11 [Planters Holding Company Partners With BSJ Inc. - Delta Business Journal](https://news.google.com/rss/articles/CBMihwFBVV95cUxPOTdpYVVmdk51UU12ZkVjLXNycklRYkZRdzFJeHl3ZFJISTZieHlNOU1CRG9QOU14aWNUU1hYMnFQQzNaN1JPQ0FrU2J1UTE4ODI3NFlYcUZZQ244TWJpWFBiYnktM21La3ljWnZLeDdJekNxOU1pQzlJblI4aTM3VG5BWlllVm8?oc=5) · Delta Business Journal
- 2026-06-02 [Bonvenu's Jason Smith to lead state banking group and Regions scores on JD Power - shreveportbossieradvocate.com](https://news.google.com/rss/articles/CBMi9gFBVV95cUxQWThhQjRodnd6U3JrTTVGSkFwUW80bm55N1JBZ3ZwLS1HellzVlJlODhnM2dVQ0MwczNROUdPby1ZM0ZicUprTjJfNzFDaVkzVU1WejRLR043ejZqemxvbmZUQU1pWEJmV3R6VUNPTEtDX2RTT18td05NbDMyb0l4QzcwaThlTFhkbmVyVjctcDlxR2htTzZYWjFoOGxyNzRJQjFSREU3bXl3VTlTQTlMQlJwT1ZVLVNPbl8wM3hkSHJ2TEItQ0haX1ZiZmZ6SGJnbkZuU0JTNjFEOUpnSjVWUTEyQ25reUJ4ZkNNWnVMak90N0ZvWnc?oc=5) · shreveportbossieradvocate.com
- 2016-09-09 [Northeast La. Top 20 young professionals recognized - thenewsstar.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxPZEpDWXM5aHlzbW5lNENHRVd0WjlOQXk2NHZ6a0hEbTYyOUZwUVFvWEdhVTRFbzFEUW92angtUHhOZjNxUGhDdDlvYTdQYVNNMU1pNlpMd1hwR1IzVE1UOHNfNzVjY1lacF80bmN3OUZmQThXVWt6SW4xWDNVMGtQemJMQ1lNMzBfektPODM0enp6dzdDTjdRcVR6QmxLRzFOcTcybXdtWDlRcmwwdWZZ?oc=5) · thenewsstar.com
- 2019-12-13 [West Monroe man out on bank fraud charge arrested for more bank fraud - KNOE](https://news.google.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?oc=5) · KNOE
- 2016-04-13 [Shreveport A-listers party at book signing - Shreveport Times](https://news.google.com/rss/articles/CBMitgFBVV95cUxNbktaVEluYU1KLVY4MFFqZ2V5X2pZN1ZrektGNVF0MklUNlpwZml0bUMzaDBKZ3JRc0RXTTN5X0U2XzY2eDUxTS11UWJ1QnRfalR4MUwzdXlwaS1ETWtrZy1McVBxS3Qyb2FTV2JNWHoyT3l2NS1sczlEbjkyNkRRUUxGdFFYamFHUmhuYmVDSU9nYnh0NVdvTGV2ZFI1NDRmdDd0aTAwSGlDNWloUFE2bDBqYW5fdw?oc=5) · Shreveport Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9322 (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/42.json (key "9322", 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