BlastPoint's Banking Scorecard

Cross Bank

$100M-$1B Specialty: Agricultural AR FDIC cert 13821

Wynne, AR

10 branches across AR

2664 banks in the $100M-$1B peer group nationally 50 in AR

Cross Bank has 3 strengths but faces 3 concerns

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

+ Net Interest Margin 1.10% above tier average
+ Efficiency Ratio 26.67% below tier average
+ ROA 0.74% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 11.8% in tier
- Capital Thin: Bottom 23.6% in tier
- Credit Risk Growth: Bottom 39.3% in tier

Get updates when Cross Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$564.4M +2.0% YoY -0.6% QoQ	+$178.3M	$386.1M +0.5% YoY	$2.3B +2.8% YoY	$6.2B +9.1% YoY	78%
Total Loans ?	$451.6M +2.3% YoY +1.8% QoQ	+$195.9M	$255.7M +1.1% YoY	$1.7B +6.4% YoY	$3.2B +10.8% YoY	85%
Total Deposits ?	$499.3M +2.8% YoY +4.1% QoQ	+$171.3M	$328.0M +0.1% YoY	$1.9B +3.0% YoY	$4.8B +8.2% YoY	80%
Return on Assets ?	2.01% +1.0% YoY +15.7% QoQ	+0.74%	1.27% +12.9% YoY	1.34% +14.2% YoY	1.23% +13.4% YoY	Top 12.2% in tier
Net Interest Margin ?	5.03% +3.9% YoY +7.4% QoQ	+1.10%	3.93% +6.0% YoY	4.08% +8.2% YoY	3.89% +5.7% YoY	Top 6.6% in tier
Efficiency Ratio ?	38.61% -6.5% YoY -15.1% QoQ	-26.67%	65.29% -4.5% YoY	61.77% -4.8% YoY	66.95% -4.1% YoY	Top 2.9% in tier
Delinquency Rate ?	1.13% +156.1% YoY -12.9% QoQ	+0.24%	0.89% +18.8% YoY	1.02% +24.4% YoY	0.95% +18.8% YoY	26%
Loan-to-Deposit Ratio ?	90.45% -0.4% YoY -2.2% QoQ	+13.81%	76.64% +0.8% YoY	80.49% +1.3% YoY	76.70% +0.9% YoY	23%
Non-Interest-Bearing Deposit Share ?	16.36% -9.9% YoY -11.0% QoQ	-5.66%	22.02% -1.0% YoY	19.62% +0.8% YoY	22.01% -1.2% YoY	29%
Nonperforming Asset Ratio ?	1.21% +222.6% YoY +16.7% QoQ	+0.57%	0.64% +19.7% YoY	0.79% +32.8% YoY	0.67% +19.3% YoY	16%
Tier 1 Capital Ratio ?	10.25% +6.5% YoY +4.5% QoQ	-5.58%	15.83% +1.5% YoY	13.59% +0.0% YoY	17.06% +0.8% YoY	Bottom 13.0% in tier
Non-Interest Income / Assets ?	0.08% -5.0% YoY -76.3% QoQ	-0.20%	0.28% +9.3% YoY	0.18% -3.1% YoY	0.32% +4.1% YoY	42%

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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 (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Strain

risk

#77 of 643 • Bottom 11.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.45%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Capital Thin

risk

#158 of 666 • Bottom 23.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.25%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#383 of 973 • Bottom 39.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 38.61%

Peer Median: 65.29%

#78 of 2664 Top 2.9% in $100M-$1B

178

Net Interest Margin

profitability

Value: 5.03%

Peer Median: 3.93%

#178 of 2664 Top 6.6% in $100M-$1B

326

Return on Assets

profitability

Value: 2.01%

Peer Median: 1.27%

#326 of 2664 Top 12.2% in $100M-$1B

404

Total Loans

size

Value: $451.57M

Peer Median: $255.72M

#404 of 2664 Top 15.1% in $100M-$1B

546

Total Deposits

size

Value: $499.26M

Peer Median: $327.97M

#546 of 2664 Top 20.5% in $100M-$1B

596

Total Assets

size

Value: $564.38M

Peer Median: $386.08M

#596 of 2664 Top 22.3% in $100M-$1B

Top Weaknesses (3 metrics)

2320

Tier 1 Capital Ratio

capital

Value: 10.25%

Peer Median: 15.83%

#2320 of 2664 Bottom 13.0% in $100M-$1B

2252

Nonperforming Asset Ratio

credit_quality

Value: 1.21%

Peer Median: 0.64%

#2252 of 2664 Bottom 15.5% in $100M-$1B

2041

Loan-to-Deposit Ratio

liquidity

Value: 90.45%

Peer Median: 76.64%

#2041 of 2664 Bottom 23.4% in $100M-$1B