Headquartered in Wynne, Arkansas, Cross Bank is a state-chartered bank with $593.5M in total assets and $480.7M in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1891.
Cross Bank has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 10% of its 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 69th. Earnings contributes the most (97/100, 1.91%); loan quality contributes the least (18/100, 2.47%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 13 points (67 → 54), mostly because the loan quality component weakened by 52 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 72 |
| Q4 2024 | 70 |
| Q1 2025 | 74 |
| Q2 2025 | 67 |
| Q3 2025 | 67 |
| Q4 2025 | 64 |
| Q1 2026 | 68 |
| Q2 2026 | 54 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.64% |
| Q3 2024 | 10.43% |
| Q4 2024 | 9.70% |
| Q1 2025 | 9.62% |
| Q2 2025 | 9.38% |
| Q3 2025 | 9.61% |
| Q4 2025 | 9.80% |
| Q1 2026 | 10.25% |
| Q2 2026 | 10.45% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.43% |
| Q3 2024 | 0.56% |
| Q4 2024 | 0.45% |
| Q1 2025 | 0.43% |
| Q2 2025 | 0.91% |
| Q3 2025 | 0.89% |
| Q4 2025 | 1.27% |
| Q1 2026 | 1.11% |
| Q2 2026 | 2.47% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.97% |
| Q3 2024 | 1.92% |
| Q4 2024 | 1.79% |
| Q1 2025 | 1.99% |
| Q2 2025 | 1.87% |
| Q3 2025 | 1.81% |
| Q4 2025 | 1.74% |
| Q1 2026 | 2.01% |
| Q2 2026 | 1.91% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 54 | $593.5M | 10.45% | 2.47% | 1.91% | 97.7% |
| Q1 2026 | 68 | $564.4M | 10.25% | 1.11% | 2.01% | 90.4% |
| Q4 2025 | 64 | $567.6M | 9.80% | 1.27% | 1.74% | 92.5% |
| Q3 2025 | 67 | $572.2M | 9.61% | 0.89% | 1.81% | 91.2% |
| Q2 2025 | 67 | $557.4M | 9.38% | 0.91% | 1.87% | 91.7% |
| Q1 2025 | 74 | $553.4M | 9.62% | 0.43% | 1.99% | 90.8% |
| Q4 2024 | 70 | $524.6M | 9.70% | 0.45% | 1.79% | 101.2% |
| Q3 2024 | 72 | $507.8M | 10.43% | 0.56% | 1.92% | 104.4% |
| Q2 2024 | 75 | $463.8M | 10.64% | 0.43% | 1.97% | 101.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Arkansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of Eastern ArkansasBank Forrest City, AR | 72 out of 100, Strong | $589.5M | 11.0% | 0.64% | vs |
| Citizens' Bank & Trust Co.Bank Van Buren, AR | 82 out of 100, Strong | $566.4M | 11.8% | 0.20% | vs |
| CS BankBank Eureka Springs, AR | 69 out of 100, Moderate | $628.5M | 12.0% | 1.37% | vs |
| Fidelity BankBank West Memphis, AR | 78 out of 100, Strong | $546.8M | 13.1% | 0.74% | vs |
| First State Bank of DeQueenBank De Queen, AR | 64 out of 100, Moderate | $525.1M | 8.5% | 1.23% | vs |
| First State BankBank Russellville, AR | 71 out of 100, Strong | $665.4M | 11.4% | 0.04% | vs |
Deposit insurance
Is my money safe at Cross Bank?
Yes. Cross Bank is an FDIC-insured institution (FDIC certificate #13821). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.0% of deposits ($124.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.45%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
10 locations
Branches
Cross Bank lists 10 offices in 9 cities. Most locations:
- Wynne, AR (2)
- Blytheville, AR (1)
- Brinkley, AR (1)
- Cherry Valley, AR (1)
- Hickory Ridge, AR (1)
- Jonesboro, AR (1)
- Manila, AR (1)
- Monette, AR (1)
- Osceola, AR (1)
HMDA 2025
Mortgage lending
In 2025, Cross Bank reported 85 home-loan applications under HMDA (LEI 254900RD08FFMO7DRN13): 77 originated ($17,725,000 total), 1 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Cross Bank
- Former names
- Cross County Bank
- Type
- State-chartered bank
- FDIC certificate #
- 13821
- RSSD ID
- 989347
- Primary regulator
- FDIC
- Holding company
- Cross County Bancshares Inc
- Established
- June 4, 1891
- Headquarters
- 399 Merriman Ave E, Wynne, AR 72396
- Website
- www.mycrossbank.com
- Employees
- 91
Quick answers
Cross Bank: common questions
Is Cross Bank FDIC insured?
Yes. Cross Bank is an FDIC-insured institution (FDIC certificate #13821). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Cross Bank's TellerScore?
54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Cross Bank ever failed?
There is no failure record for FDIC certificate #13821 in the FDIC failed bank list.
How many branches does Cross Bank have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Wynne
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fidelity BankBank West Memphis, AR | 78 out of 100, Strong | $546.8M | 13.1% | 0.74% | vs |
| First National Bank of Eastern ArkansasBank Forrest City, AR | 72 out of 100, Strong | $589.5M | 11.0% | 0.64% | vs |
| Partners BankBank Helena, AR | 71 out of 100, Strong | $417.1M | 13.7% | 0.93% | vs |
| Armor BankBank Forrest City, AR | 66 out of 100, Moderate | $516.9M | 9.4% | 0.41% | vs |
| Regions BankBank Birmingham, AL | 64 out of 100, Moderate | $159.8B | 9.5% | 0.93% | vs |
| First Financial BankBank El Dorado, AR | 50 out of 100, Below average | $2.0B | 11.2% | 3.64% | vs |