BlastPoint's Banking Scorecard
Crossroads Bank
Yoakum, TX
4 branches across TX
Crossroads Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 8.9% in tier
- + Revenue Diversifier: Top 34.5% in tier
- + Efficiency Ratio 21.65% below tier average
- + Net Interest Margin 0.21% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.41% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$381.2M
+11.9% YoY
+0.0% QoQ
|
-$4.9M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
59% |
| Total Loans ? |
$208.2M
+3.4% YoY
+0.6% QoQ
|
-$47.5M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
50% |
| Total Deposits ? |
$347.1M
+10.4% YoY
-0.3% QoQ
|
+$19.1M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
62% |
| Return on Assets ? |
2.47%
+35.8% YoY
+23.8% QoQ
|
+1.20% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 4.9% in tier |
| Net Interest Margin ? |
4.14%
+3.2% YoY
+1.1% QoQ
|
+0.21% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
65% |
| Efficiency Ratio ? |
43.63%
-19.0% YoY
-17.0% QoQ
|
-21.65% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Top 7.4% in tier |
| Delinquency Rate ? |
2.30%
-3.9% YoY
-2.0% QoQ
|
+1.41% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 9.8% in tier |
| Loan-to-Deposit Ratio ? |
59.99%
-6.3% YoY
+0.8% QoQ
|
-16.65% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
18.96%
-11.7% YoY
-0.8% QoQ
|
-3.06% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
40% |
| Nonperforming Asset Ratio ? |
1.35%
-12.0% YoY
-6.2% QoQ
|
+0.71% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 13.4% in tier |
| Tier 1 Capital Ratio ? |
11.11%
-0.8% YoY
+3.4% QoQ
|
-4.72% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.16%
+8.2% YoY
-73.5% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
77% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (2)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.