BlastPoint's Banking Scorecard
Crossroads Bank
Micro
Specialty: Other
TX
FDIC cert 10709
Designations: ✓ Community bank
Yoakum, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Crossroads Bank shows strong momentum with 1 strength and 14.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.91% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$381.0M
+14.5% YoY
+2.7% QoQ
|
+$163.5M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$207.0M
+3.9% YoY
+1.1% QoQ
|
+$67.8M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$348.0M
+12.6% YoY
+2.6% QoQ
|
+$164.4M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
2.00%
+13.8% YoY
-6.3% QoQ
|
+0.91% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
4.10%
+4.9% YoY
+0.5% QoQ
|
+0.25% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
52.54%
-3.8% YoY
+5.9% QoQ
|
-15.18% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
2.34%
-17.6% YoY
-4.2% QoQ
|
+1.70% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
59.48%
-7.7% YoY
-1.5% QoQ
|
-15.04% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
19.11%
-6.0% YoY
-6.3% QoQ
|
-3.29% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? |
1.44%
-15.4% YoY
-1.4% QoQ
|
+0.99% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.61%
-1.1% YoY
+40.6% QoQ
|
+0.05% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 10%
in Micro
Why this stands out
Current:
2.00%
(Tier avg: 1.08%, National avg: 1.12%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.08%
90
90th pctile
Total Deposits
Current: $348.0M · Tier avg: $183.7M
86
86th pctile
Total Assets
Current: $381.0M · Tier avg: $217.5M
86
86th pctile
Efficiency Ratio
Current: 52.54% · Tier avg: 67.73%
78
78th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.56%
76
76th pctile
Total Loans
Current: $207.0M · Tier avg: $139.2M
63
63th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.11% · Tier avg: 22.39%
24
24th pctile
Loan-to-Deposit Ratio
Current: 59.48% · Tier avg: 74.53%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.44% · Tier avg: 0.45%
10
10th pctile
Delinquency Rate
Current: 2.34% · Tier avg: 0.64%
Top Weaknesses
10
10th pctile
Delinquency Rate
Current: 2.34% · Tier avg: 0.64%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.44% · Tier avg: 0.45%
24
24th pctile
Loan-to-Deposit Ratio
Current: 59.48% · Tier avg: 74.53%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.11% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
63
63th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.85%
76
76th pctile
Total Loans
Current: $207.0M · Tier avg: $139.2M
78
78th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.56%
86
86th pctile
Efficiency Ratio
Current: 52.54% · Tier avg: 67.73%
86
86th pctile
Total Assets
Current: $381.0M · Tier avg: $217.5M
90
90th pctile
Total Deposits
Current: $348.0M · Tier avg: $183.7M
90
90th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.08%