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Crossroads Bank Yoakum, TX

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Crossroads Bank Yoakum, TX Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Crossroads Bank Yoakum, TX 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

Crossroads Bank Yoakum, TX 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 Crossroads Bank Yoakum, TX, and you can see how they compare in the Crossroads Bank Yoakum, TX rate tables below. MonitorBankRates evaluates the financial stability of Crossroads Bank Yoakum, TX with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.72%. Database rates last updated and verified on 09/23/2026.

Crossroads Bank Yoakum, TX 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 Crossroads Bank Yoakum, TX? Share your experience about Crossroads Bank Yoakum, TX by leaving a review below, or read customer reviews before you decide to use Crossroads Bank Yoakum, TX.

Overall Health & Safety Grade

A-

Very Good Health Score: 92/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

15.72%

Good Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Crossroads Bank

406 W Grand Ave
Yoakum, TX 77995

https://www.crbanktx.com

Current Rate Availability

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Financial Health History

Crossroads Bank Yoakum, TX’s Texas Ratio fell from 29.46% in Q3 2023 to 15.72% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 2.0 to 4.9 and its Health Grade from F 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)

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	$381M	15.72%	4.9	A-
March 31, 2026	$381M	15.98%	4.9	A-
December 31, 2025	$381M	17.87%	4.8	B+
September 30, 2025	$371M	18.11%	4.7	B+
June 30, 2025	$351M	20.45%	4.6	B
March 31, 2025	$341M	21.51%	4.5	B
December 31, 2024	$333M	26.50%	3.5	C-
September 30, 2024	$336M	22.61%	4.4	B-
June 30, 2024	$318M	26.00%	3.6	C
March 31, 2024	$318M	26.15%	3.2	D
December 31, 2023	$320M	23.34%	3.8	C
September 30, 2023	$317M	29.46%	2.0	F

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 Crossroads Bank Yoakum, TX 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 Crossroads Bank Yoakum, TX 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 Crossroads Bank Yoakum, TX's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Crossroads Bank Yoakum, TX

Bank Holding Company FIRST ST BANCSHARES YOAKUM INC

Address 406 W Grand Ave, Yoakum, TX 77995 · Dewitt

Website https://www.crbanktx.com

FDIC Certificate # 10709

Established 19310101

FDIC Insurance Date 19340101

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 92/100

4.9

Exceptional Out of 5.0 Stars

15.72%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.5557%

Return on Equity (ROE) 30.3100%

Non-Performing Loans (NPL) 1.28%

Total Assets $380,663,000

Total Deposits $345,437,000

Equity Capital $33,365,000

Net Income $4,868,000

Headquarters Yoakum

Total Branches and Offices 4

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Crossroads Bank Yoakum, TX

How many branches does Crossroads Bank Yoakum, TX operate?

Crossroads Bank Yoakum, TX currently maintains approximately 4 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, Crossroads Bank Yoakum, TX 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, Crossroads Bank Yoakum, TX provides members with tools to manage their accounts and build a solid financial history.

Does Crossroads Bank Yoakum, TX offer online and mobile banking?

Most modern institutions like Crossroads Bank Yoakum, TX 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.crbanktx.com.