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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 200th largest bank in the state of Illinois. It is also the 2,984th largest bank in the nation. It was established in 1974 and as of March of 2020, it had grown to 23 employees at 2 locations. Crossroads Bank has an A health rating.

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Health
A

Data as of Q1 2020

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #21486
Year Established1974
Employees23
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.27%
Return on Equity - YTD8.96%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$187.6MM$172.2MM
LoansQ1 2020vs Q1 2019$127.8MM$122.5MM
DepositsQ1 2020vs Q1 2019$152.1MM$144.2MM
Equity CapitalQ1 2020vs Q1 2019$26.3MM$23.9MM
Loan Loss AllowanceQ1 2020vs Q1 2019$1.1MM$1.1MM
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$1.9MM$16.00K
Real Estate OwnedQ1 2020vs Q1 2019$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--Health Savings Account
0.50%*-$2kSuper Christmas Club
OTHER TIERS: 0.10% → $2k+
0.50%*-$2kVacation Club
OTHER TIERS: 0.10% → $2k+
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%--Bill the Reader

Crossroads Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$250k*-Personal Money Market
OTHER TIERS: 0.10% → Up to $10k | 0.20% → $10k - $50k | 0.25% → $50k - $100k | 0.30% → $100k - $250k

Crossroads Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*-$15kBlue Chip Checking
OTHER TIERS: 0.20% → $15k+
0.10%--Coffee Club

Crossroads Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$500-60 Month CD
1.15%$500-48 Month CD
0.80%$500-36 Month CD
0.75%$500-11 Month CD
0.70%$500-30 Month CD
0.65%$500-24 Month CD
0.50%$500-18 Month CD
0.40%$500-12 Month CD
0.30%$1k-6 Month CD
0.25%$1k-3 Month CD

Crossroads Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$500-60 Month IRA
1.15%$500-48 Month IRA
0.80%$500-36 Month IRA
0.75%$500-11 Month IRA
0.70%$500-30 Month IRA
0.65%$500-24 Month IRA
0.50%$500-18 Month IRA
0.40%$500-12 Month IRA
0.30%$1k-6 Month IRA
0.25%$1k-3 Month IRA
Locations


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

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