Cross Bank (FDIC #13821): Bank Stress & Real-Estate Credit Exposure

Cross Bank (FDIC Cert #13821): bank stress 50/100, moderate, STABLE over 7 days; parent CROSS COUNTY BANCSHARES INC.

Cross Bank (#13821) lends in 4 counties across 1 state; Cross Bank (#13821) reaches 51 ZIP codes: Arkansas 4 counties, 51 ZIPs.

Cross Bank (#13821) largest markets: Craighead County, AR (34 branches, 17 ZIPs) (#13821), Mississippi County, AR (51 branches, 17 ZIPs) (#13821), Cross County, AR (36 branches, 9 ZIPs) (#13821), Monroe County, AR (9 branches, 9 ZIPs) (#13821).

Cross Bank (#13821) reports $593.5 million in total assets; Cross Bank (#13821) equity $62.6 million (10.5% of Cross Bank (#13821) assets); Cross Bank (#13821) domestic deposits $480.7 million; Cross Bank (#13821) net income $5.5 million; Cross Bank (#13821) return on assets 1.91%; Cross Bank (#13821) return on equity 18.16%; Cross Bank (#13821) net interest income $13.4 million; Cross Bank (#13821) call report June 30, 2026.

Cross Bank (#13821) noncurrent real-estate loans: none reported; Cross Bank (#13821) net charge-offs on real estate 2.71%; Cross Bank (#13821) residential charge-offs 3.43%.

Cross Bank (#13821) net interest margin 4.91% against an eight-quarter Cross Bank (#13821) average of 4.87% (Cross Bank (#13821) compression -0.04 points); Cross Bank (#13821) non-residential real estate 343.5% of equity; Cross Bank (#13821) rate-exposure score 40/100, Cross Bank (#13821) fixed-rate trap 40/100; Cross Bank (#13821) risk type credit driven; Cross Bank (#13821) rate regime rates elevated, Cross Bank (#13821) snapshot October 19, 2026.

Cross Bank (#13821) stress score moved from 46.5 on June 22, 2026 to 50.4 on October 19, 2026; Cross Bank (#13821) ranged 46.5 to 50.4 over 116 snapshots.

Cross Bank (#13821) alerts: 4 counties; top Cross Bank (#13821) alert scores: Brinkley County, AR 18 (low); Monette County, AR 18 (low); Osceola County, AR 18 (low); Wynne County, AR 18 (low).