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Overview / Commentary
2000 South Banker Street
Effingham, IL 62401

Crossroads Bank is headquartered in Effingham and is the 234th largest bank in the state of Illinois. It is also the 3,362nd largest bank in the nation. It was established in 1974 and as of December of 2017, it had grown to 25 employees at 2 locations. Crossroads Bank has an A+ health rating.

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Health Grade Components

FDIC Certificate #21486
Year Established1974
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD6.85%
Annual Interest Income$5.8MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$161.7MM$158.3MM
LoansQ4 2017vs Q4 2016$119.4MM$124.5MM
DepositsQ4 2017vs Q4 2016$136.6MM$132.8MM
Equity CapitalQ4 2017vs Q4 2016$21.7MM$21.0MM
Loan Loss AllowanceQ4 2017vs Q4 2016$1.1MM$1.0MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$12.00K$0
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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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

1.00%--Health Savings Account
0.50%*-$2kSuper Christmas Club
OTHER TIERS: 0.10% $2k+
0.50%*-$2kVacation Club
OTHER TIERS: 0.10% $2k+
0.40%*$50k*-Regular Savings
OTHER TIERS: 0.10% Up to $25k | 0.25% $25k - $50k
0.40%*$50k*-Business Savings
OTHER TIERS: 0.10% Up to $25k | 0.25% $25k - $50k
0.10%--Bill the Reader

Crossroads Bank Money Market Rates

0.25%*$20k*-Personal Money Market
OTHER TIERS: 0.10% Up to $5k | 0.15% $5k - $20k
0.25%*$20k*-Business Money Market
OTHER TIERS: 0.10% Up to $5k | 0.15% $5k - $20k

Crossroads Bank Checking Account Rates

3.14%*-$15kBlue Chip Checking
OTHER TIERS: 0.20% $15k+
0.10%--Coffee Club

Crossroads Bank CD Rates

2.01%$500-60 Month CD
1.76%$500-24 Month CD
1.51%$500-48 Month CD
1.00%$500-36 Month CD
0.85%$500-30 Month CD
0.75%$500-18 Month CD
0.50%$500-12 Month CD
0.25%$1k-6 Month CD
0.20%$1k-3 Month CD

Crossroads Bank IRA Rates

2.01%$500-60 Month IRA
1.76%$500-24 Month IRA
1.51%$500-48 Month IRA
1.00%$500-36 Month IRA
0.85%$500-30 Month IRA
0.75%$500-18 Month IRA
0.50%$500-12 Month IRA
0.25%$1k-6 Month IRA
0.20%$1k-3 Month IRA

Crossroads Bank Locations
Crossroads Bank2000 South Banker StreetEffingham, IL 62401
Keller Drive Facility806 North Keller DriveEffingham, IL 62401

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