Headquartered in Effingham, Illinois, Crossroads Bank is a state-chartered bank with $234.7M in total assets and $195.0M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1974.
Crossroads Bank has a TellerScore of 93 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 9th. Capital cushion contributes the most (100/100, 15.97%); earnings contributes the least (76/100, 1.39%).
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 rose 3 points (90 → 93), mostly because the earnings component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 90 |
| Q3 2024 | 90 |
| Q4 2024 | 90 |
| Q1 2025 | 90 |
| Q2 2025 | 90 |
| Q3 2025 | 89 |
| Q4 2025 | 91 |
| Q1 2026 | 94 |
| Q2 2026 | 93 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.52% |
| Q3 2024 | 15.73% |
| Q4 2024 | 15.51% |
| Q1 2025 | 16.09% |
| Q2 2025 | 16.54% |
| Q3 2025 | 16.39% |
| Q4 2025 | 15.63% |
| Q1 2026 | 15.75% |
| Q2 2026 | 15.97% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.04% |
| Q2 2026 | 0.06% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.97% |
| Q3 2024 | 1.00% |
| Q4 2024 | 1.01% |
| Q1 2025 | 0.97% |
| Q2 2025 | 1.04% |
| Q3 2025 | 1.05% |
| Q4 2025 | 1.11% |
| Q1 2026 | 1.48% |
| Q2 2026 | 1.39% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 93 | $234.7M | 15.97% | 0.06% | 1.39% | 71.9% |
| Q1 2026 | 94 | $239.8M | 15.75% | 0.04% | 1.48% | 69.1% |
| Q4 2025 | 91 | $237.2M | 15.63% | 0.00% | 1.11% | 75.4% |
| Q3 2025 | 89 | $226.2M | 16.39% | 0.00% | 1.05% | 82.0% |
| Q2 2025 | 90 | $220.2M | 16.54% | 0.00% | 1.04% | 78.8% |
| Q1 2025 | 90 | $218.3M | 16.09% | 0.00% | 0.97% | 72.8% |
| Q4 2024 | 90 | $218.9M | 15.51% | 0.00% | 1.01% | 73.6% |
| Q3 2024 | 90 | $222.2M | 15.73% | 0.00% | 1.00% | 73.7% |
| Q2 2024 | 90 | $220.5M | 15.52% | 0.00% | 0.97% | 74.9% |
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Warren-Boynton State BankBank New Berlin, IL | 79 out of 100, Strong | $234.5M | 12.1% | 0.41% | vs |
| First Federal Savings and Loan Association of Central Illinois, S.B.Bank Shelbyville, IL | 69 out of 100, Moderate | $235.0M | 10.7% | 0.70% | vs |
| Anna-Jonesboro National BankBank Anna, IL | 65 out of 100, Moderate | $234.2M | 14.6% | 3.00% | vs |
| West Central BankBank Ashland, IL | 60 out of 100, Moderate | $232.2M | 11.9% | 2.10% | vs |
| Farmers State Bank of HoffmanBank Hoffman, IL | 77 out of 100, Strong | $232.1M | 11.9% | 0.17% | vs |
| Eagle Valley BankBank Griggsville, IL | 72 out of 100, Strong | $229.6M | 10.4% | 0.60% | vs |
Deposit insurance
Is my money safe at Crossroads Bank?
Yes. Crossroads Bank is an FDIC-insured institution (FDIC certificate #21486). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 10.4% of deposits ($20.3M) 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 15.97%, 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%).
2 locations
Branches
Crossroads Bank lists 2 offices in 1 city. Most locations:
- Effingham, IL (2)
Identity & history
Profile
- Legal name
- Crossroads Bank
- Type
- State-chartered bank
- FDIC certificate #
- 21486
- RSSD ID
- 158741
- Primary regulator
- FDIC
- Holding company
- Omni Bcorp Inc
- Established
- March 12, 1974
- Headquarters
- 2000 S Banker St, Effingham, IL 62401
- Website
- www.crossroadsbank.com
- Employees
- 25
Quick answers
Crossroads Bank: common questions
Is Crossroads Bank FDIC insured?
Yes. Crossroads Bank is an FDIC-insured institution (FDIC certificate #21486). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Crossroads Bank's TellerScore?
93 out of 100 (Very strong), 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 #21486 in the FDIC failed bank list.
How many branches does Crossroads Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Effingham
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Teutopolis State BankBank Teutopolis, IL | 97 out of 100, Very strong | $358.5M | 14.7% | 0.00% | vs |
| Effingham Highway Credit UnionCredit union Effingham, IL | 94 out of 100, Very strong | $5.9M | 19.8% | 0.00% | vs |
| First State Bank of Beecher CityBank Beecher City, IL | 88 out of 100, Very strong | $112.2M | 16.0% | 0.81% | vs |
| First State Bank of St. PeterBank Saint Peter, IL | 83 out of 100, Strong | $30.1M | 18.5% | 1.71% | vs |
| The Peoples State Bank of Newton, IllinoisBank Newton, IL | 81 out of 100, Strong | $736.7M | 13.5% | 0.54% | vs |
| Washington Savings BankBank Effingham, IL | 77 out of 100, Strong | $585.3M | 12.1% | 0.29% | vs |