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Cross Bank
Wynne, AR · FDIC Certificate #13821 · Chartered 06/0
Total assets
$593.48M
Total deposits
$480.69M
Total equity
$62.59M
Net loans
$469.43M
Branches (offices)
10
Net income (YTD)
$5.51M
Rank: #1,573 of 4,213 U.S. banks by assets · #34 of 78 in Arkansas. Assets changed 6.5% and deposits -1.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.91% |
| Return on equity | 18.16% |
| Net interest margin (YTD) | 4.91% |
| Equity to assets | 10.55% |
| Tier 1 leverage ratio | 10.45% |
| Uninsured deposits (share of deposits) | 26.0% |
| Noncurrent loans (share of loans) | 2.47% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 97.7% |
| Real estate loans (share of loans) | 61.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $288.27M | 61.4% | |
| Commercial & industrial | $35.53M | 7.6% | |
| Consumer / individual | $18.53M | 3.9% | |
| Construction & development | $27.68M | 5.9% | |
| Agricultural | $133.12M | 28.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $377.26M | $334.32M | $2.40M | $41.67M |
| Jun 2023 | $406.66M | $358.19M | $3.17M | $45.93M |
| Jun 2024 | $463.75M | $400.14M | $4.32M | $51.44M |
| Jun 2025 | $557.44M | $487.48M | $5.09M | $55.26M |
| Jun 2026 | $593.48M | $480.69M | $5.51M | $62.59M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $480.69M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $480.69M.
Similar-sized banks
Mnb Bank ($594.10M) · Riverstone Bank ($593.44M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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