BlastPoint's Banking Scorecard
Crossroads Bank
Micro
Specialty: Commercial
IL
FDIC cert 21486
Designations: ✓ Community bank
Effingham, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Crossroads Bank shows strong momentum with 2 strengths and 8.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below 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 (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$237.2M
+8.4% YoY
+4.8% QoQ
|
+$19.7M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$149.9M
+8.4% YoY
-3.1% QoQ
|
+$10.8M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$198.8M
+5.8% YoY
+5.5% QoQ
|
+$15.2M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
1.11%
+8.9% YoY
+5.6% QoQ
|
+0.02% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
53% |
| Net Interest Margin ? |
3.00%
+12.6% YoY
+0.5% QoQ
|
-0.85% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
49.99%
-5.6% YoY
-2.5% QoQ
|
-17.74% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
75.41%
+2.5% YoY
-8.1% QoQ
|
+0.88% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
15.44%
+2.4% YoY
-0.6% QoQ
|
-6.96% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.33%
-12.8% YoY
+28.9% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
90
90th pctile
Efficiency Ratio
Current: 49.99% · Tier avg: 67.73%
60
60th pctile
Total Loans
Current: $149.9M · Tier avg: $139.2M
59
59th pctile
Total Assets
Current: $237.2M · Tier avg: $217.5M
59
59th pctile
Total Deposits
Current: $198.8M · Tier avg: $183.7M
53
53th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.08%
52
52th pctile
Loan-to-Deposit Ratio
Current: 75.41% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.44% · Tier avg: 22.39%
16
16th pctile
Net Interest Margin
Current: 3.00% · Tier avg: 3.85%
Top Weaknesses
16
16th pctile
Net Interest Margin
Current: 3.00% · Tier avg: 3.85%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.44% · Tier avg: 22.39%
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Loan-to-Deposit Ratio
Current: 75.41% · Tier avg: 74.53%
53
53th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.08%
59
59th pctile
Total Deposits
Current: $198.8M · Tier avg: $183.7M
59
59th pctile
Total Assets
Current: $237.2M · Tier avg: $217.5M
60
60th pctile
Total Loans
Current: $149.9M · Tier avg: $139.2M
90
90th pctile
Efficiency Ratio
Current: 49.99% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%