🏦Bank Scorer

CROSSROADS BANK

WABASH, IN · Supervised by FDIC

Est. 1920FDIC #29,839RSSD: FDIC-29839
Part ofFFW CORP→ View all charters
Satisfactory Same

Current rating · Exam: May 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.12%

Institution Profile

FDIC BankFind

Address

1205 N Cass St, WABASH, IN

County

Wabash County

Established

January 1, 1920

Total Assets

$598M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$598M

Total Deposits

$533M

Net Loans

$444M

Net Income

$2M

ROA

1.12%

ROE

13.24%

Risk-Based Capital

14.38%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate6.78%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$505M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202436985.91%6.78%
202336887.23%5.43%
202276687.34%5.48%
202188183.43%7.49%
20201,12687.21%5.60%
201957586.09%7.30%
201854183.55%8.13%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2018

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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