Crossroads Bank is a bank based in Effingham, Illinois, established in 1974, with $240 million in total assets across 2 branches. By Trust Grade it ranks 59th of 328 banks we track in Illinois. Its capital ratio of 13.3% is stronger than 83% of similarly sized banks, versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 1.48% return on assets. No consumer complaints against Crossroads Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Crossroads Bank compares to Illinois peers
How we graded Crossroads Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.3% capital ratio)
- Strongly profitable (ROA 1.48%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Crossroads Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 2000 S Banker St, Effingham, IL 62401
- 806 N Keller Dr, Effingham, IL 62401
Are deposits at Crossroads Bank insured?
Yes. Crossroads Bank is an FDIC-insured bank (FDIC certificate #21486). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Crossroads Bank: frequently asked questions
Is Crossroads Bank a good bank?
Crossroads Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (13.3% capital ratio); Strongly profitable (ROA 1.48%).
Is Crossroads Bank FDIC-insured?
Yes. Crossroads Bank is a FDIC-insured bank (FDIC certificate #21486). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Crossroads Bank?
Crossroads Bank holds $240 million in total assets, ranking 59th of 328 banks we track in Illinois. It operates 2 branches.
Does Crossroads Bank have CFPB complaints?
No CFPB complaints against Crossroads Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
