| Weiss Ratings |
Crossroads Bank
Effingham, IL |
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| Rating | ||||
| Asset Quality Index | 8.70 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.30 | |||
| Profitability Index | 6.30 | |||
| Stability Index | 8.50 | |||
| Company Info |
Crossroads Bank
Effingham, IL |
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| FDIC Number | 21486 | |||
| Phone Number | (217) 347-7751 | |||
| Website | www.crossroadsbank.com | |||
| Asset Quality |
Crossroads Bank
Effingham, IL |
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| 1-Year Asset Growth | 6.61% | |||
| 5-Year Asset Growth | 3.39% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.04% | |||
| Non-Performing Loans to Capital | 0.22% | |||
| Non-Performing Loans to Loans | 0.06% | |||
| Balance Sheet |
Crossroads Bank
Effingham, IL |
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| Total Assets | 234.74M | |||
| Total Deposits | 195.00M | |||
| Capital and Reserves |
Crossroads Bank
Effingham, IL |
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| Capital | 33.05M | |||
| Leverage Ratio | 15.97 | |||
| Loan Loss Reserves to Loans | 1.04% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Crossroads Bank
Effingham, IL |
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| Hot Money Ratio | 23.37% | |||
| Liquidity Ratio | 37.18% | |||
| Profitability |
Crossroads Bank
Effingham, IL |
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| 5-Year Return on Average Assets | 1.25% | |||
| Net Income | 1.65M | |||
| Net Interest Spread | 3.17% | |||
| Operating Profit to Average Assets | 1.82% | |||
| Overhead Efficiency Ratio | 46.97% | |||
| Return on Assets | 1.39% | |||
| Return on Equity | 10.26% | |||