BlastPoint's Banking Scorecard
Crossroads Bank
Wabash, IN
7 branches across IN
Crossroads Bank faces 4 concerns requiring attention
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
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
+9.0% YoY
|
80% |
| Total Loans ? |
$444.0M
+5.2% YoY
+1.8% QoQ
|
+$188.3M |
$255.7M
+1.1% YoY
|
$1.8B
+14.1% YoY
|
$3.2B
+10.7% YoY
|
84% |
| Total Deposits ? |
$533.4M
+5.2% YoY
+3.1% QoQ
|
+$205.4M |
$328.0M
+0.0% YoY
|
$2.0B
+11.7% YoY
|
$4.8B
+8.0% YoY
|
82% |
| Return on Assets ? |
1.12%
+18.0% YoY
+9.4% QoQ
|
-0.15% |
1.27%
+12.8% YoY
|
0.88%
-9.0% YoY
|
1.24%
+13.1% YoY
|
45% |
| Net Interest Margin ? |
3.41%
+10.3% YoY
+2.6% QoQ
|
-0.52% |
3.93%
+6.0% YoY
|
3.62%
+8.1% YoY
|
3.89%
+5.7% YoY
|
27% |
| Efficiency Ratio ? |
66.05%
-5.5% YoY
-3.5% QoQ
|
+0.76% |
65.29%
-4.4% YoY
|
103.85%
+48.1% YoY
|
66.84%
-3.8% YoY
|
42% |
| Delinquency Rate ? |
1.47%
-28.8% YoY
-6.1% QoQ
|
+0.58% |
0.89%
+18.9% YoY
|
0.84%
+20.9% 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
|
80.90%
+0.8% YoY
|
76.69%
+0.9% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
11.50%
+1.6% YoY
+5.1% QoQ
|
-10.52% |
22.02%
-0.9% YoY
|
17.23%
-0.8% YoY
|
22.01%
-1.1% YoY
|
Bottom 13.9% in tier |
| Nonperforming Asset Ratio ? |
1.09%
-28.2% YoY
-6.2% QoQ
|
+0.45% |
0.64%
+19.7% YoY
|
0.62%
+28.0% YoY
|
0.66%
+19.3% YoY
|
18% |
| Tier 1 Capital Ratio ? |
13.13%
+2.0% YoY
-5.4% QoQ
|
-2.70% |
15.83%
+1.5% YoY
|
16.21%
+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
|
0.81%
-14.6% YoY
|
0.32%
+4.0% YoY
|
81% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.