TellerScore

Headquartered in Yoakum, Texas, Crossroads Bank is a state-chartered bank with $380.7M in total assets and $345.4M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1931.

Crossroads Bank has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 252nd. Earnings contributes the most (100/100, 2.56%); loan quality contributes the least (24/100, 2.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Tier 1 leverage ratio: 11.64%
Loan quality24/100
Noncurrent loans ÷ total loans: 2.29%
Earnings100/100
Return on assets (annualized): 2.56%
Funding & liquidity92/100
Loans ÷ deposits and uninsured-deposit share: 60.9% · 21.2% uninsured
Problem-loan coverage71/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 14.63%

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 rose 2 points (65 → 67), mostly because the problem-loan coverage component improved by 8 points.

TellerScore
566267Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202459
Q4 202456
Q1 202562
Q2 202565
Q3 202565
Q4 202564
Q1 202665
Q2 202667
Tier 1 leverage ratio
5.00%8.32%11.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.34%
Q3 202411.41%
Q4 202410.93%
Q1 202511.20%
Q2 202511.36%
Q3 202511.30%
Q4 202510.74%
Q1 202611.11%
Q2 202611.64%
Noncurrent loans
2.27%2.58%2.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.87%
Q3 20242.90%
Q4 20242.81%
Q1 20252.36%
Q2 20252.35%
Q3 20252.42%
Q4 20252.32%
Q1 20262.27%
Q2 20262.29%
Return on assets
1.75%2.15%2.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.81%
Q3 20241.84%
Q4 20241.75%
Q1 20251.82%
Q2 20252.05%
Q3 20252.13%
Q4 20252.00%
Q1 20262.47%
Q2 20262.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$380.7M11.64%2.29%2.56%60.9%
Q1 202665$381.2M11.11%2.27%2.47%60.0%
Q4 202564$381.0M10.74%2.32%2.00%59.5%
Q3 202565$370.9M11.30%2.42%2.13%60.4%
Q2 202565$350.9M11.36%2.35%2.05%62.5%
Q1 202562$340.5M11.20%2.36%1.82%64.0%
Q4 202456$332.9M10.93%2.81%1.75%64.5%
Q3 202459$336.1M11.41%2.90%1.84%63.0%
Q2 202458$317.7M11.34%2.87%1.81%62.9%

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).

Capital ratio11.64%
60th
Total risk-based capital0.00%
24th
Problem loans2.29%
10th
Net charge-offs0.18%
13th
Return on assets2.56%
96th
Net interest margin4.20%
65th
Efficiency ratio42.7%
94th
Loans to deposits60.9%
82nd
Uninsured deposits21.2%
60th
Loan-loss reserves1.16%
46th
Texas ratio14.6%
11th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Lamar National BankBank Paris, TX73 out of 100, Strong$375.9M10.6%0.15%vs
Yoakum BankBank Yoakum, TX73 out of 100, Strong$385.8M9.4%0.19%vs
Gilmer National Bank, Gilmer, TexasBank Gilmer, TX40 out of 100, Below average$374.5M9.7%3.70%vs
The MINT National BankBank Kingwood, TX61 out of 100, Moderate$388.9M18.3%2.78%vs
Lakeside BankBank Rockwall, TX92 out of 100, Very strong$389.2M14.4%0.00%vs
First State BankBank Stratford, TX88 out of 100, Very strong$371.9M12.6%0.00%vs

Deposit insurance

Is my money safe at Crossroads Bank?

Yes. Crossroads Bank is an FDIC-insured institution (FDIC certificate #10709). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.2% of deposits ($73.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.64%, 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%).

Check how much of your own balance is covered

4 locations

Branches

Crossroads Bank lists 4 offices in 4 cities. Most locations:

  • Hallettsville, TX (1)
  • Moulton, TX (1)
  • Victoria, TX (1)
  • Yoakum, TX (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Crossroads Bank reported 94 home-loan applications under HMDA (LEI 549300JPWAKLM047FK81): 73 originated ($12,365,000 total), 8 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.8%, 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
Crossroads Bank
Former names
First State Bank
Type
State-chartered bank
FDIC certificate #
10709
RSSD ID
564463
Primary regulator
FDIC
Holding company
First St Bancshares Yoakum Inc
Established
January 1, 1931
Headquarters
406 W Grand Ave, Yoakum, TX 77995
Employees
49

Quick answers

Crossroads Bank: common questions

Is Crossroads Bank FDIC insured?

Yes. Crossroads Bank is an FDIC-insured institution (FDIC certificate #10709). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Crossroads Bank's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Crossroads Bank ever failed?

There is no failure record for FDIC certificate #10709 in the FDIC failed bank list.

How many branches does Crossroads Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Yoakum

InstitutionScoreAssetsCapitalProblem loansCompare
SouthStar Bank, S.S.B.Bank Moulton, TX77 out of 100, Strong$1.4B13.3%0.62%vs
Sage Capital Bank,Bank Gonzales, TX76 out of 100, Strong$768.9M10.4%0.01%vs
Randolph-Brooks Federal Credit UnionCredit union Universal City, TX76 out of 100, Strong$19.6B13.4%1.27%vs
Yoakum BankBank Yoakum, TX73 out of 100, Strong$385.8M9.4%0.19%vs
Peoples State Bank of HallettsvilleBank Hallettsville, TX73 out of 100, Strong$395.6M10.1%0.18%vs
Prosperity BankBank El Campo, TX71 out of 100, Strong$43.9B10.6%0.48%vs