Crossroads Bank

Overview / Commentary

www.crossroadsbank.com

800-305-7751

2000 South Banker Street
Effingham, IL 62401

Crossroads Bank is headquartered in Effingham and is the 198^th largest bank in the state of Illinois. It is also the 2,931^st largest bank in the nation. It was established in 1974 and as of December of 2021, it had grown to 29 employees at 2 locations. Crossroads Bank has an A+ health rating.

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2010
2009

6/3 - Top CD and Reward Checking Rates at Crossroads Bank in Southwest IL - Local Only

6/7 - 4.10% Reward Checking Account at an Illinois Bank (Crossroads)

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Health

A+

Data as of Q4 2021

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Health Grade Components

Overall
FDIC Certificate #	21486
Year Established	1974
Employees	29
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.44%
Return on Equity - YTD	10.45%
Annual Interest Income	$7.1MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$225.6MM$202.8MM
Loans	Q4 2021vs Q4 2020	$134.3MM$132.7MM
Deposits	Q4 2021vs Q4 2020	$187.9MM$163.6MM
Equity Capital	Q4 2021vs Q4 2020	$29.9MM$28.1MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$1.2MM$1.2MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$20.00K$53.00K
Real Estate Owned	Q4 2021vs Q4 2020	$0$0

Rates

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Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Crossroads Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	-	$2k	Super Christmas Club
OTHER TIERS: 0.10% → $2k+
0.50%^*	-	$2k	Vacation Club
OTHER TIERS: 0.10% → $2k+
0.35%	-	-	Health Savings Account
0.35%^*	$50k^*	-	Regular Savings
OTHER TIERS: 0.10% → Up to $25k \| 0.20% → $25k - $50k
0.35%^*	$50k^*	-	Business Savings
OTHER TIERS: 0.10% → Up to $25k \| 0.20% → $25k - $50k
0.10%	-	-	Read for Dollars Savings Account
0.10%	-	-	Christmas Club

Crossroads Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$250k^*	-	Personal Money Market
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $50k \| 0.20% → $50k - $100k \| 0.25% → $100k - $250k

Crossroads Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.75%	-	$10k	Blue Chip Checking
0.10%	-	-	Coffee Club

Crossroads Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.80%	$500	-	60 Month CD
0.70%	$500	-	48 Month CD
0.60%	$500	-	36 Month CD
0.50%	$500	-	30 Month CD
0.40%	$500	-	24 Month CD
0.35%	$500	-	18 Month CD
0.25%	$500	-	12 Month CD
0.15%	$1k	-	6 Month CD
0.10%	$1k	-	3 Month CD

Crossroads Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.80%	$500	-	60 Month IRA
0.70%	$500	-	48 Month IRA
0.60%	$500	-	36 Month IRA
0.50%	$500	-	30 Month IRA
0.40%	$500	-	24 Month IRA
0.35%	$500	-	18 Month IRA
0.25%	$500	-	12 Month IRA
0.15%	$1k	-	6 Month IRA
0.10%	$1k	-	3 Month IRA

Locations

Crossroads Bank Locations
Crossroads Bank	2000 S Banker St	Effingham, IL 62401
Keller Drive Facility	806 North Keller Drive	Effingham, IL 62401

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