BlastPoint's Banking Scorecard

Crossroads Bank

$100M-$1B Specialty: Other IN FDIC cert 29839

Wabash, IN

7 branches across IN

2664 banks in the $100M-$1B peer group nationally 60 in IN

Crossroads Bank faces 4 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.15% below tier average
- Net Interest Margin 0.52% below tier average
- Efficiency Ratio 0.76% above tier average
- Delinquency Rate 0.58% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$598.0M +4.4% YoY +1.9% QoQ	+$211.9M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	80%
Total Loans ?	$444.0M +5.2% YoY +1.8% QoQ	+$188.3M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$533.4M +5.2% YoY +3.1% QoQ	+$205.4M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	82%
Return on Assets ?	1.12% +18.0% YoY +9.4% QoQ	-0.15%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	45%
Net Interest Margin ?	3.41% +10.3% YoY +2.6% QoQ	-0.52%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	27%
Efficiency Ratio ?	66.05% -5.5% YoY -3.5% QoQ	+0.76%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	42%
Delinquency Rate ?	1.47% -28.8% YoY -6.1% QoQ	+0.58%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	19%
Loan-to-Deposit Ratio ?	83.25% -0.1% YoY -1.2% QoQ	+6.61%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	39%
Non-Interest-Bearing Deposit Share ?	11.50% +1.6% YoY +5.1% QoQ	-10.52%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	Bottom 13.9% in tier
Nonperforming Asset Ratio ?	1.09% -28.2% YoY -6.2% QoQ	+0.45%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	18%
Tier 1 Capital Ratio ?	13.13% +2.0% YoY -5.4% QoQ	-2.70%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.18% -5.2% YoY -74.4% QoQ	-0.10%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	81%

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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 (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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

426

Total Loans

size

Value: $444.03M

Peer Median: $255.72M

#426 of 2664 Top 16.0% in $100M-$1B

469

Total Deposits

size

Value: $533.36M

Peer Median: $327.97M

#469 of 2664 Top 17.6% in $100M-$1B

501

Non-Interest Income / Assets

revenue_mix

Value: 0.18%

Peer Median: 0.28%

#501 of 2664 Top 18.8% in $100M-$1B

524

Total Assets

size

Value: $597.97M

Peer Median: $386.08M

#524 of 2664 Top 19.6% in $100M-$1B

Top Weaknesses (3 metrics)

2296

Non-Interest-Bearing Deposit Share

funding

Value: 11.50%

Peer Median: 22.02%

#2296 of 2664 Bottom 13.9% in $100M-$1B

2191

Nonperforming Asset Ratio

credit_quality

Value: 1.09%

Peer Median: 0.64%

#2191 of 2664 Bottom 17.8% in $100M-$1B

2156

Delinquency Rate

credit_quality

Value: 1.47%

Peer Median: 0.89%

#2156 of 2654 Bottom 18.8% in $100M-$1B