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Crossroads Bank
Wabash, IN · FDIC Certificate #29839 · Chartered 01/0
Total assets
$616.12M
Total deposits
$548.78M
Total equity
$52.54M
Net loans
$450.16M
Branches (offices)
7
Net income (YTD)
$3.40M
Rank: #1,530 of 4,213 U.S. banks by assets · #34 of 87 in Indiana. Assets changed 7.7% and deposits 7.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.13% |
| Return on equity | 13.33% |
| Net interest margin (YTD) | 3.45% |
| Equity to assets | 8.53% |
| Tier 1 leverage ratio | 9.49% |
| Uninsured deposits (share of deposits) | 31.0% |
| Noncurrent loans (share of loans) | 1.41% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 82.0% |
| Real estate loans (share of loans) | 77.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $347.64M | 77.2% | |
| Commercial & industrial | $36.67M | 8.1% | |
| Consumer / individual | $10.45M | 2.3% | |
| Construction & development | $24.16M | 5.4% | |
| Agricultural | $4.65M | 1.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $534.89M | $491.73M | $2.91M | $40.95M |
| Jun 2023 | $543.62M | $496.79M | $2.58M | $41.43M |
| Jun 2024 | $568.01M | $520.78M | $2.03M | $43.24M |
| Jun 2025 | $572.25M | $512.13M | $2.81M | $45.70M |
| Jun 2026 | $616.12M | $548.78M | $3.40M | $52.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $548.78M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $548.78M.
Similar-sized banks
Farmers & Merchants Savings Bank ($616.83M) · Crown Bank ($614.28M)
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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