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Cross Bank Rates & Review September 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Cross Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Cross Bank, and you can see how they compare in the Cross Bank rate tables below. MonitorBankRates evaluates the financial stability of Cross Bank with a 4.4 Star Rating, an B Overall Health Grade, and a Texas Ratio of 21.63%. Database rates last updated and verified on 09/23/2026.

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.

Overall Health & Safety Grade

Solid Health Score: 84/100

MonitorBankRates Rating

4.4

Excellent Out of 5.0 Stars

Texas Ratio

21.63%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Cross Bank

399 Merriman Ave E
Wynne, AR 72396

https://www.mycrossbank.com

Cross Bank Other Rates

Product	Rate	Points	APY/APR
Kasasa Cash Checking	-	-	2.01%
Min Deposit $10 Min Balance $15,000 Details Qualifications Required: 1 direct deposit or ACH debit transaction post and settle; 10 debit card purchases post and settle; enrolled in and agree to receive eStatements; Balances up to $15,000 receive APY of 2.01% and balances over $15,000 earn 0.20% APY on the portion of the balance over $15,000, resulting in a range of 2.01% - 0.23% APY on this tier depending on the balance. Nationwide ATM fees incurred during monthly qualification cycle will be reimbursed up to $30 and credited to your account on the last day of your monthly qualification cycle. ATM-processed transactions, transfers between accounts and debit card transactions processed by merchants and received by Cross Bank as ATM transactions do not count towards qualifying debit card transactions. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.63%
Kasasa Cash Checking	-	-	0.05%
Min Deposit $10 Details If qualifications are not met, all balances earn 0.05% APY. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.63%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Cross Bank’s Texas Ratio rose from 6.18% in Q3 2023 to 21.63% 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 4.5 and its Health Grade from A to B. 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$593M	21.63%	4.5	B
March 31, 2026	$564M	11.23%	5.0	A
December 31, 2025	$568M	10.00%	5.0	A
September 30, 2025	$572M	7.50%	5.0	A
June 30, 2025	$557M	7.70%	5.0	A
March 31, 2025	$553M	3.84%	5.0	A+
December 31, 2024	$525M	3.95%	5.0	A+
September 30, 2024	$508M	4.71%	5.0	A+
June 30, 2024	$464M	3.67%	5.0	A+
March 31, 2024	$428M	4.37%	5.0	A+
December 31, 2023	$422M	6.58%	5.0	A
September 30, 2023	$406M	6.18%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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

Institution Name Cross Bank

Bank Holding Company CROSS COUNTY BANCSHARES INC

Address 399 Merriman Ave E, Wynne, AR 72396 · Cross

Website https://www.mycrossbank.com

FDIC Certificate # 13821

Established 18910604

FDIC Insurance Date 19340201

Domestic Offices 10

Total Branches 10

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 84/100

4.4

Excellent Out of 5.0 Stars

21.63%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.9149%

Return on Equity (ROE) 18.1600%

Non-Performing Loans (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 06/30/2026

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Cross Bank

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.