Call reports 2025
CROSSROADS BANK — 2025
What CROSSROADS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 572,976,000 | 572,254,000 | 574,187,000 | 586,674,000 |
| Total loans | 427,839,000 | 428,848,000 | 431,630,000 | 441,853,000 |
| Allowance for loan losses | 5,627,000 | 5,703,000 | 5,782,000 | 5,886,000 |
| Securities available for sale | 107,034,000 | 103,068,000 | 104,753,000 | 105,061,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 506,892,000 | 512,126,000 | 490,389,000 | 517,216,000 |
| Interest-bearing deposits | 449,479,000 | 454,238,000 | 431,514,000 | 460,593,000 |
| Noninterest-bearing deposits | 57,413,000 | 57,888,000 | 58,875,000 | 56,623,000 |
| Equity capital | 45,689,000 | 45,699,000 | 48,047,000 | 50,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,784,000 | 13,838,000 | 21,056,000 | 28,307,000 |
| Interest expense | 2,647,000 | 5,293,000 | 7,927,000 | 10,486,000 |
| Net interest income | 4,137,000 | 8,545,000 | 13,129,000 | 17,821,000 |
| Noninterest income | 1,078,000 | 2,091,000 | 3,123,000 | 4,088,000 |
| Noninterest expense | 3,646,000 | 7,392,000 | 11,231,000 | 14,990,000 |
| Provision for loan losses | 50,000 | 125,000 | 200,000 | 300,000 |
| Pretax income | 1,516,000 | 3,116,000 | 4,809,000 | 6,611,000 |
| Income tax | 144,000 | 303,000 | 488,000 | 683,000 |
| Net income | 1,372,000 | 2,813,000 | 4,321,000 | 5,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,204,000 | 56,284,000 | 56,924,000 | 57,828,000 |
| Total capital | 60,567,000 | 61,432,000 | 62,035,000 | 63,043,000 |
| Risk-weighted assets | 428,717,000 | 411,246,000 | 408,197,000 | 416,460,000 |
Machine access — free, no API key
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