|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Cross Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 6, 2026
Cross Bank's checking rates are as high as 2.01%. MonitorBankRates evaluates the financial stability of Cross Bank with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.57%. Rates last updated and verified on 11/06/2026. Cross Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Cross Bank? Share your experience about Cross Bank by leaving a review below, or read customer reviews before you decide to use Cross Bank. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Cross Bank Checking Rates
Financial Health HistoryCross Bank’s Texas Ratio rose from 4.22% in Q3 2023 to 16.57% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.9 and its Health Grade from A+ to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Cross Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Cross Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Cross Bank's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Cross Bank
Website
https://www.mycrossbank.com
Address
399 Merriman Ave E,
Wynne, AR 72396 · Cross
Bank Holding Company
CROSS COUNTY BANCSHARES INC
FDIC Certificate #
13821
Regulator
FDIC
Established
June 4, 1891
FDIC Insurance Date
February 1, 1934
Domestic Offices
10
Total Branches
10
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.9 / 5.0 ★
Overall Health & Safety Grade
A- (90/100)
Texas Ratio
16.57%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.9149%
Return on Equity (ROE)
18.1600%
Non-Performing Loans Ratio (NPL)
1.99%
Total Assets
$593,483,000
Total Deposits
$480,686,000
Equity Capital
$62,590,000
Net Income
$5,507,000
Headquarters
Wynne
Total Branches and Offices
10
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
There are no reviews for Cross Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Cross Bank
Frequently Asked Questions About Cross BankWhat is the highest checking rate at Cross Bank?The highest Cross Bank checking rate is its Free Kasasa Cash Checking at 2.01% APY, verified by MonitorBankRates as of November 6, 2026. How many branches does Cross Bank operate?Cross Bank currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Cross Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Cross Bank provides members with tools to manage their accounts and build a solid financial history. Does Cross Bank offer online and mobile banking?Most modern institutions like Cross Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mycrossbank.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Cross Bank rates compare?Cross Bank's top rate is its Free Kasasa Cash Checking at 2.01% APY, verified by MonitorBankRates on November 6, 2026. Compare to Other Banks
First Federal Bank, A FSB
Bank of Yates City
Salem Five Cents Savings Bank
Elkton Bank & Trust Company
Solomon State Bank
Bippus State Bank
Popular Bank
Belmont Savings Bank
Security National Bank of Omaha
Citizens Bank of Cumberland County
First State Bank of Bedias
Franklin SB Franklin, NH
Cape Ann Savings Bank
Dime Community Bank
First Summit Bank
Falls City National Bank
Central Savings Bank
Citizens Bank & Trust Co.
Loyal Trust Bank
Partners Bank of Wisconsin
Isabella Bank
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
