Cross County Bank


1 Cross County Plaza
Wynne, AR 72396
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Notable Rates APY Vs.Others
Savings 0.10% 1.25% →
1-Year CD 0.50% 0.75% →
2-Year CD 0.70% 0.80% →
5-Year CD 1.00% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Cross County Bank is an FDIC insured institution located in Wynne, AR. It was founded in 1891 and has approximately $0.31 billion in assets. Customers can open an account at one of its 9 branches.

FDIC Insured Yes
FDIC Certificate # 13821
Date Established 1891
Assets $ 310.71 million
Loans $ 268.09 million
Deposits $ 271.88 million
Capital $ 37.40 million

For a more detailed analysis of Cross County Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 27, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
6 Mo CD
0.35% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.45% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.55% $10,000 $14,999 Learn More
18 Mo CD
0.60% $100,000 $199,999 Learn More
24 Mo CD
0.65% $10,000 $14,999 Learn More
24 Mo CD
0.70% $100,000 $199,999 Learn More
36 Mo CD
0.75% $10,000 $14,999 Learn More
36 Mo CD
0.80% $100,000 $199,999 Learn More
48 Mo CD
0.85% $10,000 $14,999 Learn More
48 Mo CD
0.90% $100,000 $199,999 Learn More
60 Mo CD
0.95% $10,000 $14,999 Learn More
60 Mo CD
1.00% $100,000 $199,999 Learn More

Variable IRA Rates APY MIN MAX
0.10% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less
Checking Rates APY MIN FEE
Free Kasasa Cash Checking 2.01% $0 $0.00 Learn MoreShow Less

Loan Rates - October 27, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Cross County Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.809% 2.750%
0.75 points
$1,902 fees
$1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Cross County Bank
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Climate Initiatives

Cross County Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Cross County Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cross County Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Cross County Bank U.S. Bank Average
5.93% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, Cross County Bank had $1,913,000 in non-current loans and $627,000 in owned real estate. To cover these potential losses it had $37,395,000 in equity and $5,410,000 in loans loss reserves. That gives it a Texas Ratio of 5.93%.

Return on Equity
Cross County Bank U.S. Bank Average
12.98% 11.29%

Cross County Bank has a Return on Equity of 12.98% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Cross County Bank U.S. Bank Average
12.04% 11.72%

Cross County Bank has a Capitalization of 12.04% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Cross County Bank Balance Sheet Analysis

As of June 30, 2021, Cross County Bank had assets of $310,709,000, loans of $268,086,000, and deposits of $271,882,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions $ 21.09 million
Interest-bearing balances $ 14.06 million
Total securities $ 6.86 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 268.09 million
Loan loss allowance $ 5.41 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.63 million
Goodwill and other intangibles $ 0.73 million
All other assets $ 5.94 million
     Total Assets $ 273.31 million
Total deposits $ 271.88 million
      Interest-bearing deposits $ 212.47 million
      Deposits held in domestic offices $ 271.88 million
      % insured (estimated) 82.18%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 0.83 million
Subordinated debt N.A.
All other liabilities $ 0.60 million
      Total Liabilities $ 273.31 million
      Shareholders’ Equity $ 37.40 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 7.32 million
Total Interest Expense $ 0.78 million
Net interest income $ 6.54 million
Provision for loan and lease losses $ 0.24 million
Total non interest income $ 0.83 million
Total non interest expense $ 4.05 million
Pre-tax Net Operating Income $ 3.08 million

Bank Loan Profile?

The top three loan types in Cross County Bank’s loan portfolio are Farm Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in Arkansas, Cross County Bank has a significantly higher percent of Multifamily Mortgages, Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 12.09
Credit Card Loans 0.00
Consumer Auto Loans 0.19
Small Business Loans 9.65
Construction and Development Loans 3.22
Commercial Real Estate 23.10
Commercial and Industrial Loans 11.36
Farm Loans 30.45

Frequently Asked Questions About Cross County Bank

Branches and Savings

Is Cross County Bank FDIC insured?

Yes. It is covered under FDIC Certificate #13821.

Why does Cross County Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Cross County Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Cross County Bank a commercial bank?


Where are Cross County Bank locations?

See branch locations nearby.

Is Cross County Bank open on Saturdays?

Is Cross County Bank open on Sundays?

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Are Cross County Bank ATMs Open 24/7?

Do Cross County Bank ATMs accept cash deposits?

Can Cross County Bank customers use other ATMs?

Do Cross County Bank branches have notaries?

Will Cross County Bank notarize my document?

What address for Cross County Bank should I put for incoming ACH transfers?

Will the Cross County Bank branch print checks?

Do Cross County Bank checks expire?

Does Cross County Bank require US citizenship to open account?

Can Cross County Bank close my account?

Does Cross County Bank Report to credit bureaus?

Does Cross County Bank Use Equifax?

What is Cross County Bank's ACH Routing Number?

What is Cross County Bank's SWIFT code?


Does Cross County Bank offer mortgages?

Compare mortgage rates here.

Does Cross County Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cross County Bank offer personal loans?

Compare personal loan rates here.

Does Cross County Bank offer student loans?

Will Cross County Bank cash a check?

Will Cross County Bank redeem a savings bond?

Does Cross County Bank cash savings bonds?

Will Cross County Bank cash money orders?

Can Cross County Bank issue a money order?

Does Cross County Bank do currency exchange?

Background on The Bank

Who owns Cross County Bank?

How long has Cross County Bank been around?

Can Cross County Bank transfer to other banks?

Does Cross County Bank have quick pay?

Does Cross County Bank accept rolled coins?

Will Cross County Bank accept loose change?

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