Cross Bank
Wynne, AR
IDRSSD: 989347
Total Assets
$567.62M
Latest filing
Total Deposits
$479.41M
Latest filing
Net Interest Margin
4.67%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
084101514WYNNE, AR
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Cross Bank
399 Merriman Ave E
Wynne, AR 72396
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/04/1891FDIC Certificate 8640
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Cross Bank (Main) | 399 Merriman Ave E | Wynne, AR |
| CROSS BANK - HICKORY RIDGE BRANCH | 108 North Flora | Hickory Ridge, AR |
| CROSS BANK - NORTH BRANCH | 2098 Cross County Bank Boulevard | Wynne, AR |
| CROSS BANK - CHERRY VALLEY BRANCH | 3826 Highway 1 | Cherry Valley, AR |
| CROSS BANK - MONETTE BRANCH | 301 E Drew Ave | Monette, AR |
| CROSS BANK - MANILA BRANCH | 709 W Fleeman | Manila, AR |
| CROSS BANK, BLYTHEVILLE BRANCH | 208 N 2nd St | Blytheville, AR |
| CROSS BANK, OSCEOLA BRANCH | 750 W Keiser Ave | Osceola, AR |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/04/1891 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 72396 |
| State and County Number | 05037 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 89 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/21/2022 |
| Date of Deposit Insurance | 02/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.mycrossbank.com |
| Data Updated | 01/30/2026 |
| CERT | 13821 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $567.62M |
| Total Deposits | $479.41M |
| Total Liabilities | $508.92M |
| Total Equity Capital | $58.70M |
| Net Income | $2.14M |
| Net Loans and Leases | $443.40M |
| Assets Per Employee ($Millions) | $6.45M |
| Bank Premises and Fixed Assets | $7.23M |
| Cash and Balances due from Depository Institutions | $18.57M |
| Deposits Held in Domestic Offices | $479.41M |
Key Performance Ratios
| Return on Assets (ROA) | 1.5% |
| Return on Equity (ROE) | 14.77% |
| Net Interest Margin | 4.67% |
| Efficiency Ratio | 50.83% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.28% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.341% |
| Earning Assets to total Assets | 94.29% |
Income and Expense
| Total Interest Income | $9.53M |
| Total Noninterest Income | $560.00k |
| Total Interest Expense | $3.23M |
| Total Noninterest Expense | $3.58M |
| Net Interest Income | $6.30M |
| Pre-tax Net Operating Income | $2.88M |
| Provision for Credit Losses | $400.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $128.00k |
| Other borrowed funds | $25.14M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.38M |
| Total Liabilities and Capital | $567.62M |
Securities
| Securities | $84.03M |
| Available-for-sale debt securities | $265.00k |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $83.64M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Cross Bank?
$567.62M as of the latest filing.
How much are Cross Bank's total deposits?
$479.41M in total deposits.
Where is Cross Bank located?
Wynne, AR.
What is the Net Interest Margin?
4.67%.
How many domestic offices does it operate?
10.
When was it established?
06/04/1891.
What is the Return on Assets (ROA)?
1.5%.
How much are total loans and leases?
$443.40M (latest filing).
What is the total interest income (latest filing)?
$9.53M.