| Weiss Ratings |
Crossroads Bank
Effingham, IL |
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| Rating | ||||
| Asset Quality Index | 8.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.00 | |||
| Profitability Index | 5.50 | |||
| Stability Index | 8.10 | |||
| 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 | 8.37% | |||
| 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 | 0.00% | |||
| Non-Performing Loans to Capital | 0.00% | |||
| Non-Performing Loans to Loans | 0.00% | |||
| Balance Sheet |
Crossroads Bank
Effingham, IL |
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| Total Assets | 237.17M | |||
| Total Deposits | 198.84M | |||
| Capital and Reserves |
Crossroads Bank
Effingham, IL |
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| Capital | 31.77M | |||
| Leverage Ratio | 15.63 | |||
| Loan Loss Reserves to Loans | 1.02% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Crossroads Bank
Effingham, IL |
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| Hot Money Ratio | 23.19% | |||
| Liquidity Ratio | 33.66% | |||
| Profitability |
Crossroads Bank
Effingham, IL |
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| 5-Year Return on Average Assets | 1.29% | |||
| Net Income | 2.48M | |||
| Net Interest Spread | 2.96% | |||
| Operating Profit to Average Assets | 1.45% | |||
| Overhead Efficiency Ratio | 49.99% | |||
| Return on Assets | 1.11% | |||
| Return on Equity | 8.30% | |||