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Crossroads Bank
Yoakum, TX · FDIC Certificate #10709 · Chartered 01/0
Total assets
$380.66M
Total deposits
$345.44M
Total equity
$33.37M
Net loans
$210.33M
Branches (offices)
4
Net income (YTD)
$4.87M
Rank: #2,145 of 4,213 U.S. banks by assets · #187 of 346 in Texas. Assets changed 8.5% and deposits 6.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.56% |
| Return on equity | 30.31% |
| Net interest margin (YTD) | 4.20% |
| Equity to assets | 8.76% |
| Tier 1 leverage ratio | 11.64% |
| Uninsured deposits (share of deposits) | 21.2% |
| Noncurrent loans (share of loans) | 2.29% |
| Net charge-offs (share of loans) | 0.18% |
| Loans to deposits | 60.9% |
| Real estate loans (share of loans) | 69.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $147.02M | 69.9% | |
| Commercial & industrial | $39.54M | 18.8% | |
| Consumer / individual | $20.10M | 9.6% | |
| Construction & development | $5.36M | 2.5% | |
| Agricultural | $3.83M | 1.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $304.49M | $285.18M | $2.53M | $15.71M |
| Jun 2023 | $320.24M | $295.25M | $3.01M | $18.37M |
| Jun 2024 | $317.71M | $295.16M | $2.89M | $20.77M |
| Jun 2025 | $350.86M | $323.52M | $3.50M | $25.54M |
| Jun 2026 | $380.66M | $345.44M | $4.87M | $33.37M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $345.44M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $345.44M.
Similar-sized banks
Rsnb Bank ($380.99M) · Pine Country Bank ($380.28M)
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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