Compared with Indiana
3 of 20
compared fees are above the median.
9 below, 8 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
52nd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Indiana median
of 20 compared; 9 below, 8 about the same
See the feesFee schedule read Oct 10, 2026
Call-report figures are for Crossroads Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Indiana median | Published fees above the Indiana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Crossroads Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 10, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.1% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (52nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $129K in Q2 2026, 1.6% above the same quarter a year earlier ($127K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
3 of 20 compared published fees sit above the Indiana median; 9 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Indiana medians for fees published by banks and credit unions.
Overdraft (OD)
Monthly Maintenance
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Indiana, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income was about level from Q3 2025 to Q2 2026, at $129K. Its share of revenue, 2.1%, is above the 2.1% median for banks with $300M to $1B in assets.
$129K
Crossroads BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Crossroads Bank · $616M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Crossroads Bank(this institution) | Wabash, IN | $616M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| All America Bank | Oklahoma City, OK | $611M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Andrew Johnson Bank | Greeneville, TN | $612M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| AVB Bank | Broken Arrow, OK | $612M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Claremont Savings Bank | Claremont, NH | $620M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community First Bank | Boscobel, WI | $634M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community Savings Bank | Edgewood, IA | $614M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| DeMotte State Bank | Demotte, IN | $622M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Empire State Bank | Staten Island, NY | $618M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Bank Kansas | Salina, KS | $619M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank of Louisiana | Crowley, LA | $631M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Port City Bank | Bainbridge, GA | $624M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| FNBT BANK | Fort Walton Beach, FL | $629M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Frontier State Bank | Oklahoma City, OK | $609M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hatboro Federal Savings, FA | Hatboro, PA | $598M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Heritage Bank | Wood River, NE | $612M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| NBT Financial Bank | Fort Worth, TX | $619M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| NewBank | Flushing, NY | $618M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Palmetto State Bank | Hampton, SC | $597M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Peoples Exchange Bank | Winchester, KY | $610M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Phelps County Bank | Rolla, MO | $622M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Quaint Oak Bank | Southampton, PA | $631M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southeastern Bank | Darien, GA | $625M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Citizens Bank of Georgia | Cumming, GA | $599M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Carmi | Carmi, IL | $622M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tioga State Bank National Association | Spencer, NY | $625M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $7.25 among 12 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Crossroads Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $129K | −$2K | −1.5% |
| Q1 2026 | $131K | +$3K | +2.3% |
| Q4 2025 | $128K | −$2K | −1.5% |
| Q3 2025 | $130K | +$3K | +2.4% |
| Q2 2025 | $127K | +$6K | +5.0% |
| Q1 2025 | $121K | −$12K | −9.0% |
| Q4 2024 | $133K | +$1K | +0.8% |
| Q3 2024 | $132K | −$6K | −4.3% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Crossroads Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Crossroads Bank by share.
Amounts from Crossroads Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per month
per day
per item
per item
per item
per item
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per year
per year
per year
per year
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per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| New Account Closed within 90 days | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Fees - Savings - 3 years & under $1,000.00 (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Fees: Checking 1year and under $1,000.00 (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research and Reconciliation: Waive 1st time only - 1 hour minimum fee | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Monthly Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Paper Statement | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Statement Incorrect Address (Waive 1st time only) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Paid NSF Fee (NSF = Non-Sufficient Funds) (audience not stated, treated as personal) | $10Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned NSF Fee (NSF = Non-Sufficient Funds) (audience not stated, treated as personal) | $10Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Protection (ODP) (audience not stated, treated as personal) | $10Not compared: Daily charge, not per item | per day | None |
ATM & Card | |||
| ATM Foreign Fee | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Debit/ATM Replacement Card Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Fee Out | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Fee International Out | $40Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Bank Check - Account Holder | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Fee (audience not stated, treated as personal) | $34Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks : 1st 6 are free then (audience not stated, treated as personal) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Foreign check fee | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited Item Returned (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Safe Deposit Box 10 x 10 | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x10 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x5 (audience not stated, treated as personal) | $22Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 5 (available at the S. Whitley branch only) | $22Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Drill Lock | $175Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Late Charge | $10Not compared: Monthly charge, not annual | per month | None |
| Safe Deposit Box Replacement Key | $25Not compared: Box drilling or key fee | per item | None |
| Garnishments | $20Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Tax Levy, Restraining Orders (Legal) | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Trustee to Trustee Transfer Out (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Photo Copy fee (3 copies or more) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 10, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Crossroads Bank operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state, $548.8M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 5 | $447.6M |
| 2 | $101.2M |
Fort Wayne, IN
0.9% of bank deposits, #17 of 26, down 0.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 18.2% |
| Lake City Bank | 14.7% |
| STAR Financial Bank | 9% |
| PNC Bank, National Association | 8.2% |
| First Merchants Bank | 7.9% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Fort Wayne, IN, Crossroads Bank holds 0.9% of bank deposits, #17 of 26, with 2 offices.
188 offices of 60 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 26 institutions shown. $11.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.9% share, 2 offices, #17 of 26
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
88 offices of 34 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
1 past action
Past
OCC. Ended October 12, 2012
Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.