| Weiss Ratings |
Crossroads Bank
Effingham, IL |
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| Rating | ||||
| Asset Quality Index | 8.50 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.50 | |||
| Profitability Index | 5.30 | |||
| Stability Index | 8.20 | |||
| 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 | 1.80% | |||
| 5-Year Asset Growth | 4.64% | |||
| 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 | 226.23M | |||
| Total Deposits | 188.54M | |||
| Capital and Reserves |
Crossroads Bank
Effingham, IL |
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| Capital | 31.12M | |||
| Leverage Ratio | 16.39 | |||
| Loan Loss Reserves to Loans | 1.01% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Crossroads Bank
Effingham, IL |
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| Hot Money Ratio | 23.75% | |||
| Liquidity Ratio | 28.13% | |||
| Profitability |
Crossroads Bank
Effingham, IL |
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| 5-Year Return on Average Assets | 1.29% | |||
| Net Income | 1.73M | |||
| Net Interest Spread | 2.94% | |||
| Operating Profit to Average Assets | 1.40% | |||
| Overhead Efficiency Ratio | 51.27% | |||
| Return on Assets | 1.05% | |||
| Return on Equity | 7.88% | |||