BlastPoint's Banking Scorecard

Crossroads Bank

$100M-$1B Specialty: Commercial TX FDIC cert 10709

Yoakum, TX

4 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +6.8% year over year ($345.4M on the books).
Delinquency rate 2.32%.
Return on assets 2.56%.
Efficiency ratio 42.74% vs a 64.48% peer average.
Loan-to-deposit ratio 60.89% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

Crossroads Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 10.0% in tier
+ Revenue Diversifier: Top 31.5% in tier
+ Efficiency Ratio 21.74% below tier average
+ Net Interest Margin 0.22% above tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.40% above tier average

Get updates when Crossroads Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$380.7M +8.5% YoY -0.1% QoQ	-$5.9M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	58%
Total Loans ?	$210.3M +4.0% YoY +1.0% QoQ	-$48.0M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	51%
Total Deposits ?	$345.4M +6.8% YoY -0.5% QoQ	+$18.7M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	62%
Return on Assets ?	2.56% +24.8% YoY +3.4% QoQ	+1.23%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Top 4.2% in tier
Net Interest Margin ?	4.20% +4.1% YoY +1.4% QoQ	+0.22%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	65%
Efficiency Ratio ?	42.74% -14.9% YoY -2.1% QoQ	-21.74%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 6.4% in tier
Delinquency Rate ?	2.32% -2.5% YoY +0.8% QoQ	+1.40%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 10.2% in tier
Loan-to-Deposit Ratio ?	60.89% -2.6% YoY +1.5% QoQ	-17.06%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	82%
Non-Interest-Bearing Deposit Share ?	20.46% -2.0% YoY +7.9% QoQ	-1.57%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	47%
Nonperforming Asset Ratio ?	1.38% -7.5% YoY +1.9% QoQ	+0.71%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 13.6% in tier
Tier 1 Capital Ratio ?	11.64% +2.4% YoY +4.7% QoQ	-4.27%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.35% +16.5% YoY +115.2% QoQ	-0.22%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	79%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	20.5% -0.4pp YoY +1.5pp QoQ	-1.7pp	22.1%	29.2%	22.2%	47%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	18.8% +0.9pp YoY -0.4pp QoQ	+7.2pp	11.6%	14.8%	12.5%	86%
CRE	26.5% -0.5pp YoY +0.3pp QoQ	-13.1pp	39.5%	48.4%	41.4%	29%
1-4 Family	42.2% -0.9pp YoY +0.1pp QoQ	+9.6pp	32.6%	25.8%	31.3%	73%
Consumer	9.6% -0.6pp YoY -0.3pp QoQ	+5.4pp	4.1%	4.7%	5.0%	91%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.7%	19.7%	n/a
Leverage Ratio	11.6% +0.3pp YoY +0.5pp QoQ	-0.5pp	12.2%	12.6%	12.6%	60%
Total Capital Ratio	n/a	n/a	19.9%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	49 -1 (-2.0%) YoY -1 (-2.0%) QoQ	-10	58	186	482	52%
Assets per Employee ($)	$7.8M +10.7% YoY +1.9% QoQ	+$250K	$7.5M	$10.1M	$8.8M	64%
Branch Count	4 0 YoY 0 QoQ	-1	4	12	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	2.3% -0.1pp YoY 0.0pp QoQ	+1.4pp	0.9%	1.0%	1.0%	90%
Allowance Coverage	0.51x -1.1% YoY -0.5% QoQ	-23.65x	24.15x	18.82x	20.23x	10%
Net Charge-off Rate (YTD)	0.2% 0.0pp YoY 0.0pp QoQ	0.0pp	0.1%	0.1%	0.2%	84%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	30.3% +0.9pp YoY +0.4pp QoQ	+18.1pp	12.2%	13.2%	11.6%	98%
Cost of Funds (YTD)	1.5% -0.2pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.6%	1.7%	39%
Net Income ($, YTD)	$4.9M +39.2% YoY — QoQ	+$2.3M	$2.6M	$15.9M	$40.4M	87%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth

#67 of 661 • Top 10.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.56%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Revenue Diversifier

growth

#209 of 661 • Top 31.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.35%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.56%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

111

Return on Assets

profitability

Value: 2.56%

Peer Median: 1.32%

#111 of 2643 Top 4.2% in $100M-$1B

169

Efficiency Ratio

profitability

Value: 42.74%

Peer Median: 64.48%

#169 of 2643 Top 6.4% in $100M-$1B

484

Loan-to-Deposit Ratio

liquidity

Value: 60.89%

Peer Median: 77.95%

#484 of 2643 Top 18.3% in $100M-$1B

555

Non-Interest Income / Assets

revenue_mix

Value: 0.35%

Peer Median: 0.57%

#555 of 2643 Top 21.0% in $100M-$1B

Top Weaknesses (2 metrics)

2366

Delinquency Rate

credit_quality

Value: 2.32%

Peer Median: 0.92%

#2366 of 2633 Bottom 10.2% in $100M-$1B

2285

Nonperforming Asset Ratio

credit_quality

Value: 1.38%

Peer Median: 0.67%

#2285 of 2643 Bottom 13.6% in $100M-$1B