BlastPoint's Banking Scorecard
Cross Bank
Community
Specialty: Agricultural
AR
FDIC cert 13821
Wynne, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
Cross Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.02% above tier
- + Efficiency Ratio 17.16% below tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 31% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$567.6M
+8.2% YoY
-0.8% QoQ
|
-$823.8M |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$443.4M
+7.0% YoY
-4.5% QoQ
|
-$532.1M |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$479.4M
+17.1% YoY
-5.7% QoQ
|
-$685.2M |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
1.74%
-2.7% YoY
-4.1% QoQ
|
+0.57% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
4.68%
-6.8% YoY
+0.3% QoQ
|
+1.02% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
45.47%
-9.2% YoY
+4.3% QoQ
|
-17.16% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
1.29%
+181.4% YoY
+43.9% QoQ
|
+0.67% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
92.49%
-8.6% YoY
+1.4% QoQ
|
+9.43% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
18.39%
-9.0% YoY
+18.4% QoQ
|
-2.65% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
1.03%
+166.7% YoY
+37.5% QoQ
|
+0.54% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.35%
-29.7% YoY
+39.9% QoQ
|
-0.39% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 9%
in Community
Why this stands out
Current:
4.68%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 9%
in Community
Why this stands out
Current:
45.47%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
Liquidity Strain
risk
#160 of 513 · Bottom 31% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.49%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
91
91th pctile
Efficiency Ratio
Current: 45.47% · Tier avg: 62.63%
91
91th pctile
Net Interest Margin
Current: 4.68% · Tier avg: 3.66%
84
84th pctile
Return on Assets
Current: 1.74% · Tier avg: 1.16%
72
72th pctile
Loan-to-Deposit Ratio
Current: 92.49% · Tier avg: 83.06%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.39% · Tier avg: 21.05%
30
30th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
21
21th pctile
Total Loans
Current: $443.4M · Tier avg: $975.5M
19
19th pctile
Delinquency Rate
Current: 1.29% · Tier avg: 0.63%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.50%
10
10th pctile
Total Assets
Current: $567.6M · Tier avg: $1.4B
10
10th pctile
Total Deposits
Current: $479.4M · Tier avg: $1.2B
Top Weaknesses
10
10th pctile
Total Deposits
Current: $479.4M · Tier avg: $1.2B
10
10th pctile
Total Assets
Current: $567.6M · Tier avg: $1.4B
19
19th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.50%
19
19th pctile
Delinquency Rate
Current: 1.29% · Tier avg: 0.63%
21
21th pctile
Total Loans
Current: $443.4M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.39% · Tier avg: 21.05%
72
72th pctile
Loan-to-Deposit Ratio
Current: 92.49% · Tier avg: 83.06%
84
84th pctile
Return on Assets
Current: 1.74% · Tier avg: 1.16%
91
91th pctile
Net Interest Margin
Current: 4.68% · Tier avg: 3.66%
91
91th pctile
Efficiency Ratio
Current: 45.47% · Tier avg: 62.63%