resources/views/banks/institution.blade.php

Crossroads Bank of Effingham

Crossroads Bank of Effingham is an FDIC insured institution headquartered at 2000 S Banker St, Effingham, IL 62401.
It was founded in 1974 and has approximately $0 billion in assets. Customers can open an account at one of its 2 branches.

Deposit Rates - August 24, 2026

SAVINGS RATES	APY	MIN
Savings	0.10%	$2,500	Compare

CD RATES	APY	MIN
6 Mo CD	0.40%	$10,000	Compare
6 Mo CD	0.40%	$100,000	Compare
12 Mo CD	0.60%	$10,000	Compare
12 Mo CD	0.60%	$100,000	Compare
18 Mo CD	0.65%	$10,000	Compare
18 Mo CD	0.65%	$100,000	Compare
24 Mo CD	0.75%	$10,000	Compare
24 Mo CD	0.75%	$100,000	Compare
30 Mo CD	0.90%	$10,000	Compare
30 Mo CD	0.90%	$100,000	Compare
36 Mo CD	1.05%	$10,000	Compare
36 Mo CD	1.05%	$100,000	Compare
48 Mo CD	1.15%	$10,000	Compare
48 Mo CD	1.15%	$100,000	Compare
60 Mo CD	1.25%	$10,000	Compare
60 Mo CD	1.25%	$100,000	Compare

MM RATES	APY	MIN
Money Market	0.10%	$2,500	Compare
Money Market	0.20%	$10,000	Compare
Money Market	0.20%	$25,000	Compare

Overview 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 21486
Date Established	1974
Assets	$ 237.17 million
Loans	$ 149.94 million
Deposits	$ 198.84 million
Capital	$ 31.77 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions	$ 23.98 million
Interest-bearing balances	$ 20.64 million
Total securities	$ 53.72 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 149.94 million
Loan loss allowance	$ 1.54 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	N.A.
All other assets	$ 8.51 million
Total Assets	$ 205.40 million

LIABILITIES
Total deposits	$ 198.84 million
Interest-bearing deposits	$ 168.14 million
Deposits held in domestic offices	$ 198.84 million
% insured (estimated)"	87.59%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	N.A.
Subordinated debt	N.A.
All other liabilities	$ 0.91 millionn
Total Liabilities	$ 205.40 million
Shareholders’ Equity	$ 31.77 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income	$ 9.87 million
Total Interest Expense	$ 3.55 million
Net interest income	$ 6.31 million
Provision for loan and lease losses	$ 0.17 million
Total non interest income	$ 0.79 million
Total non interest expense	$ 3.55 million
Pre-tax Net Operating Income	$ 1.79 million

Customer Reviews for Crossroads Bank of Effingham

There are currently no comments for Crossroads Bank of Effingham. Be the first to share your experience. Please provide comments that will help others.

Branches

Click on location and enter new zip number to change."
Your current location is: Phoenix, AZ