Bank · FDIC insured
Crossroads Bank
A $234.7M bank headquartered in Effingham, IL, with 2 branches in Illinois. Best rates: CDs 4.10% and savings 0.15% APY.
Crossroads Bank Carrot Score
68
Carrot Score
Higher than 21% of U.S. banks and credit unions
#7 of 9 in Effingham, IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Crossroads Bank
Crossroads Bank is an affiliate of bank holding company Omni Bancorp, Inc.
Headquartered in Effingham, Illinois, the bank operates two locations.
- Headquarters
- 2000 S Banker St, Effingham, IL 62401
- FDIC certificate
- 21486 ↗
Branches
2 branches in Illinois
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Illinois
2 branches
- Crossroads BankMain office2000 S Banker St, Effingham, IL 62401Directions
- Keller Drive Facility806 N Keller Dr, Effingham, IL 62401Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 15.97% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.06% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.39% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $73 | $81 | — |
- CapitalLeverage ratio15.97%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.06%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.39%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$73Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Crossroads Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.