Crossroads Bank (FDIC #10709): Bank Stress & Real-Estate Credit Exposure
Crossroads Bank (FDIC Cert #10709): bank stress 44/100, contained, STABLE over 7 days; parent FIRST ST BANCSHARES YOAKUM INC.
Crossroads Bank (#10709) lends in 3 counties across 1 state; Crossroads Bank (#10709) reaches 25 ZIP codes: Texas 3 counties, 25 ZIPs.
Crossroads Bank (#10709) largest markets: Victoria County, TX (12 branches, 12 ZIPs) (#10709), Dewitt County, TX (9 branches, 9 ZIPs) (#10709), Lavaca County, TX (16 branches, 8 ZIPs) (#10709).
Crossroads Bank (#10709) reports $380.7 million in total assets; Crossroads Bank (#10709) equity $33.4 million (8.8% of Crossroads Bank (#10709) assets); Crossroads Bank (#10709) domestic deposits $345.4 million; Crossroads Bank (#10709) net income $4.9 million; Crossroads Bank (#10709) return on assets 2.56%; Crossroads Bank (#10709) return on equity 30.31%; Crossroads Bank (#10709) net interest income $7.5 million; Crossroads Bank (#10709) call report June 30, 2026.
Crossroads Bank (#10709) noncurrent real-estate loans 0.06% of its book; Crossroads Bank (#10709) net charge-offs on real estate 2.47%; Crossroads Bank (#10709) residential charge-offs 6.29%.
Crossroads Bank (#10709) net interest margin 4.20% against an eight-quarter Crossroads Bank (#10709) average of 4.04% (Crossroads Bank (#10709) compression -0.16 points); Crossroads Bank (#10709) real-estate loans 5.9% of equity; Crossroads Bank (#10709) non-residential real estate 629.1% of equity; Crossroads Bank (#10709) rate-exposure score 40/100, Crossroads Bank (#10709) fixed-rate trap 40/100; Crossroads Bank (#10709) risk type credit driven; Crossroads Bank (#10709) rate regime rates elevated, Crossroads Bank (#10709) snapshot October 19, 2026.
Crossroads Bank (#10709) stress score moved from 45.6 on June 22, 2026 to 43.9 on October 19, 2026; Crossroads Bank (#10709) ranged 43.9 to 45.6 over 116 snapshots.
Crossroads Bank (#10709) alerts: 3 counties; top Crossroads Bank (#10709) alert scores: Victoria County, TX 29 (low); Yoakum County, TX 19 (low); Moulton County, TX 17 (low).