Crossroads Bank
Wabash, IN
IDRSSD: 228279
Total Assets
$586.67M
Latest filing
Total Deposits
$517.22M
Latest filing
Net Interest Margin
3.48%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
274970995WABASH, IN
Key People
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Locations
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Main Office
Crossroads Bank
1205 N Cass St
Wabash, IN 46992
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1920FDIC Certificate 42673
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Crossroads Bank (Main) | 1205 N Cass St | Wabash, IN |
| SOUTH WHITLEY BRANCH | 207 S State St | South Whitley, IN |
| 114 WEST BRANCH | 1404 State Road 114 W | North Manchester, IN |
| 500 S HUNTINGTON ST BRANCH | 500 S Huntington St | Syracuse, IN |
| W CONNEXION WAY BRANCH | 526 W Connexion Way | Columbia City, IN |
| PERU BRANCH | 855 N Broadway | Peru, IN |
| WARSAW BRANCH | 895 N Parker St | Warsaw, IN |
Showing 6 of 6
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 | 01/01/1920 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 46992 |
| State and County Number | 18169 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| 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 | Wabash, IN |
Operational Info
| Number of Employees | 93 |
| Domestic Offices | 7 |
| 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 | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.crossroadsbanking.com |
| Data Updated | 01/30/2026 |
| CERT | 29839 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $586.67M |
| Total Deposits | $517.22M |
| Total Liabilities | $536.62M |
| Total Equity Capital | $50.05M |
| Net Income | $1.61M |
| Net Loans and Leases | $435.97M |
| Assets Per Employee ($Millions) | $6.24M |
| Bank Premises and Fixed Assets | $7.58M |
| Cash and Balances due from Depository Institutions | $13.01M |
| Deposits Held in Domestic Offices | $517.22M |
Key Performance Ratios
| Return on Assets (ROA) | 1.11% |
| Return on Equity (ROE) | 13.1% |
| Net Interest Margin | 3.48% |
| Efficiency Ratio | 66.45% |
| Tier 1 Risk-Based Capital Ratio | 13.886% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.532% |
| Earning Assets to total Assets | 92.87% |
Income and Expense
| Total Interest Income | $7.25M |
| Total Noninterest Income | $965.00k |
| Total Interest Expense | $2.56M |
| Total Noninterest Expense | $3.76M |
| Net Interest Income | $4.69M |
| Pre-tax Net Operating Income | $1.80M |
| Provision for Credit Losses | $100.00k |
| 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 | $14.90M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.50M |
| Total Liabilities and Capital | $586.67M |
Securities
| Securities | $105.13M |
| Available-for-sale debt securities | $105.06M |
| 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?
$586.67M as of the latest filing.
How much are Crossroads Bank's total deposits?
$517.22M in total deposits.
Where is Crossroads Bank located?
Wabash, IN.
What is the Net Interest Margin?
3.48%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1920.
What is the Return on Assets (ROA)?
1.11%.
How much are total loans and leases?
$435.97M (latest filing).
What is the total interest income (latest filing)?
$7.25M.