BlastPoint's Banking Scorecard
Crossroads Bank
Wabash, IN
7 branches across IN
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 60 in IN.
- Deposits +7.2% year over year ($548.8M on the books).
- Delinquency rate 1.43%.
- Return on assets 1.13%.
- Efficiency ratio 65.83% vs a 64.48% peer average.
- Loan-to-deposit ratio 82.03% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
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 0.19% below tier average
- - Net Interest Margin 0.53% below tier average
- - Efficiency Ratio 1.36% above tier average
- - Delinquency Rate 0.51% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$616.1M
+7.7% YoY
+3.0% QoQ
|
+$229.6M |
$386.6M
+1.2% YoY
|
$2.5B
+3.7% YoY
|
$6.3B
+7.7% YoY
|
82% |
| Total Loans ? |
$450.2M
+6.4% YoY
+1.4% QoQ
|
+$191.8M |
$258.3M
+1.7% YoY
|
$1.8B
+5.7% YoY
|
$3.2B
+9.4% YoY
|
84% |
| Total Deposits ? |
$548.8M
+7.2% YoY
+2.9% QoQ
|
+$222.0M |
$326.7M
+0.7% YoY
|
$2.0B
+3.4% YoY
|
$4.9B
+7.3% YoY
|
84% |
| Return on Assets ? |
1.13%
+15.9% YoY
+0.9% QoQ
|
-0.19% |
1.32%
+10.8% YoY
|
1.07%
+3.3% YoY
|
1.30%
+12.1% YoY
|
43% |
| Net Interest Margin ? |
3.45%
+7.8% YoY
+1.2% QoQ
|
-0.53% |
3.99%
+5.0% YoY
|
3.70%
+8.1% YoY
|
3.95%
+4.9% YoY
|
26% |
| Efficiency Ratio ? |
65.83%
-5.3% YoY
-0.3% QoQ
|
+1.36% |
64.48%
-3.2% YoY
|
77.20%
+13.2% YoY
|
70.05%
+2.5% YoY
|
40% |
| Delinquency Rate ? |
1.43%
-25.0% YoY
-2.3% QoQ
|
+0.51% |
0.92%
+15.7% YoY
|
0.91%
+27.8% YoY
|
0.98%
+16.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
82.03%
-0.7% YoY
-1.5% QoQ
|
+4.08% |
77.95%
+1.0% YoY
|
81.91%
+1.2% YoY
|
79.03%
+2.3% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
11.23%
-0.7% YoY
-2.4% QoQ
|
-10.80% |
22.03%
-0.6% YoY
|
16.57%
-2.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 13.0% in tier |
| Nonperforming Asset Ratio ? |
1.05%
-26.3% YoY
-3.9% QoQ
|
+0.38% |
0.67%
+16.4% YoY
|
0.69%
+42.1% YoY
|
0.69%
+15.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
13.93%
+1.8% YoY
+6.1% QoQ
|
-1.97% |
15.91%
+1.4% YoY
|
16.20%
+1.2% YoY
|
17.09%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.36%
-1.9% YoY
+101.1% QoQ
|
-0.21% |
0.57%
+7.6% YoY
|
1.78%
-1.3% YoY
|
0.66%
+5.2% YoY
|
81% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
11.2%
-0.1pp YoY -0.3pp QoQ |
-10.9pp | 22.1% | 16.8% | 22.2% | 12% |
| Brokered Deposits |
0.9%
-0.5pp YoY -1.0pp QoQ |
-6.9pp | 7.9% | 7.2% | 8.5% | 17% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.1%
+0.6pp YoY +0.1pp QoQ |
-3.4pp | 11.6% | 11.1% | 12.5% | 42% |
| CRE |
24.1%
+2.6pp YoY +0.6pp QoQ |
-15.4pp | 39.5% | 36.2% | 41.4% | 25% |
| 1-4 Family |
45.8%
-3.4pp YoY -1.0pp QoQ |
+13.1pp | 32.6% | 40.0% | 31.3% | 78% |
| Consumer |
2.3%
-0.7pp YoY -0.2pp QoQ |
-1.8pp | 4.1% | 3.2% | 5.0% | 52% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.9%
+0.2pp YoY +0.8pp QoQ |
-4.9pp | 18.8% | 17.5% | 19.7% | 38% |
| Leverage Ratio |
9.5%
+0.1pp YoY -0.2pp QoQ |
-2.7pp | 12.2% | 13.0% | 12.6% | 21% |
| Total Capital Ratio |
15.2%
+0.2pp YoY +0.8pp QoQ |
-4.7pp | 19.9% | 18.7% | 20.8% | 40% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
95
-5 (-5.0%) YoY -3 (-3.1%) QoQ |
+36 | 58 | 237 | 482 | 85% |
| Assets per Employee ($) |
$6.5M
+13.3% YoY +6.3% QoQ |
-$1.0M | $7.5M | $7.5M | $8.8M | 42% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 17 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
1.4%
-0.5pp YoY 0.0pp QoQ |
+0.5pp | 0.9% | 0.8% | 1.0% | 81% |
| Allowance Coverage |
0.94x
+32.7% YoY +2.3% QoQ |
-23.22x | 24.15x | 6.71x | 20.23x | 25% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 38% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.3%
+0.9pp YoY +0.1pp QoQ |
+1.1pp | 12.2% | 11.2% | 11.6% | 58% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.8% | 1.7% | 56% |
| Net Income ($, YTD) |
$3.4M
+20.9% YoY — QoQ |
+$846K | $2.6M | $16.3M | $40.4M | 74% |
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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.