Crossroads Bank
Effingham, IL
IDRSSD: 158741
Total Assets
$237.17M
Latest filing
Total Deposits
$198.84M
Latest filing
Net Interest Margin
3.08%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Crossroads Bank
2000 S Banker St
Effingham, IL 62401
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/12/1974FDIC Certificate 14859
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Crossroads Bank (Main) | 2000 S Banker St | Effingham, IL |
| KELLER DRIVE FACILITY | 806 N Keller Dr | Effingham, IL |
Showing 1 of 1
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 | 03/12/1974 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62401 |
| State and County Number | 17049 |
| Subchapter S Corporations | No |
| Trust Powers | Limited 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 | Chicago |
| Core Based Statistical Area Name | Effingham, IL |
Operational Info
| Number of Employees | 25 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 03/12/1974 |
| Primary Insurance Agency | DIF |
| Website | www.crossroadsbank.com |
| Data Updated | 01/30/2026 |
| CERT | 21486 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $237.17M |
| Total Deposits | $198.84M |
| Total Liabilities | $205.40M |
| Total Equity Capital | $31.77M |
| Net Income | $744.00k |
| Net Loans and Leases | $149.94M |
| Assets Per Employee ($Millions) | $9.49M |
| Bank Premises and Fixed Assets | $763.00k |
| Cash and Balances due from Depository Institutions | $23.98M |
| Deposits Held in Domestic Offices | $198.84M |
Key Performance Ratios
| Return on Assets (ROA) | 1.28% |
| Return on Equity (ROE) | 9.46% |
| Net Interest Margin | 3.08% |
| Efficiency Ratio | 46.42% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.395% |
| Earning Assets to total Assets | 94.57% |
Income and Expense
| Total Interest Income | $2.62M |
| Total Noninterest Income | $206.00k |
| Total Interest Expense | $940.00k |
| Total Noninterest Expense | $875.00k |
| Net Interest Income | $1.68M |
| Pre-tax Net Operating Income | $1.04M |
| Provision for Credit Losses | $-31,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $5.10M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.46M |
| Total Liabilities and Capital | $237.17M |
Securities
| Securities | $53.72M |
| Available-for-sale debt securities | $53.72M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Crossroads Bank?
$237.17M as of the latest filing.
How much are Crossroads Bank's total deposits?
$198.84M in total deposits.
Where is Crossroads Bank located?
Effingham, IL.
What is the Net Interest Margin?
3.08%.
How many domestic offices does it operate?
2.
When was it established?
03/12/1974.
What is the Return on Assets (ROA)?
1.28%.
How much are total loans and leases?
$149.94M (latest filing).
What is the total interest income (latest filing)?
$2.62M.