Cross Keys Bank


307 Plank Rd.
Saint Joseph, LA 71366
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.65% →
1-Year CD 0.20% 0.70% →
2-Year CD 0.20% 0.75% →
5-Year CD 0.35% 1.15% →
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 Keys Bank is an FDIC insured institution located in Saint Joseph, LA. It was founded in 1902 and has approximately $0.46 billion in assets. Customers can open an account at one of its 9 branches.

FDIC Insured Yes
FDIC Certificate # 9322
Date Established 1902
Assets $ 455.63 million
Loans $ 268.35 million
Deposits $ 372.52 million
Capital $ 52.29 million

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

Deposit Rates - August 2, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.05% $1 - Learn More
Money Market
0.05% $1 $9,999 Learn More
Money Market
0.05% $10,000 $24,999 Learn More
Money Market
0.10% $25,000 $74,999 Learn More
6 Mo CD
0.20% $2,500 - Learn More
12 Mo CD
0.20% $2,500 - Learn More
24 Mo CD
0.20% $2,500 - Learn More
36 Mo CD
0.24% $2,500 - Learn More
60 Mo CD
0.35% $2,500 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.03% $1 $99,999 Learn MoreShow Less
Checking Rates APY MIN FEE
Kasasa Cash 2.05% $0 $0.00 Learn MoreShow Less

Loan Rates - August 2, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Cross Keys Bank

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
First Internet Bank
NMLS ID: 424182
2.541% 2.500%
0.50 points
$1,340 fees
$988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
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
BMO Harris Bank
BMO Harris Bank
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4.840 %
$0 Learn More
More Info

Note to Cross Keys Bank
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Financial Details

Cross Keys Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cross Keys 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 Keys Bank U.S. Bank Average
6.18% 5.29%

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 March 31, 2021, Cross Keys Bank had $2,952,000 in non-current loans and $434,000 in owned real estate. To cover these potential losses it had $52,292,000 in equity and $2,509,000 in loans loss reserves. That gives it a Texas Ratio of 6.18%.

Return on Equity
Cross Keys Bank U.S. Bank Average
19.16% 11.43%

Cross Keys Bank has a Return on Equity of 19.16% versus the BestCashCow average of 11.43%. 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 Keys Bank U.S. Bank Average
11.48% 11.51%

Cross Keys Bank has a Capitalization of 11.48% versus the BestCashCow average of 11.51. 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 Keys Bank Balance Sheet Analysis

As of March 31, 2021, Cross Keys Bank had assets of $455,625,000, loans of $268,346,000, and deposits of $372,518,000. 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

March 31, 2021
Cash & Balances due from depository institutions $ 27.63 million
Interest-bearing balances $ 19.21 million
Total securities $ 138.74 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 268.35 million
Loan loss allowance $ 2.51 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.43 million
Goodwill and other intangibles $ 0.21 million
All other assets $ 12.29 million
     Total Assets $ 403.33 million
Total deposits $ 372.52 million
      Interest-bearing deposits $ 259.87 million
      Deposits held in domestic offices $ 372.52 million
      % insured (estimated) 75.89%
Federal funds purchased and repurchase agreements $ 3.03 million
Trading liabilities N.A.
Other borrowed funds $ 25.93 million
Subordinated debt N.A.
All other liabilities $ 1.85 million
      Total Liabilities $ 403.33 million
      Shareholders’ Equity $ 52.29 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 4.88 million
Total Interest Expense $ 0.32 million
Net interest income $ 4.56 million
Provision for loan and lease losses N.A.
Total non interest income $ 1.48 million
Total non interest expense $ 3.55 million
Pre-tax Net Operating Income $ 2.48 million

Bank Loan Profile?

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

Compared to other banks in Louisiana, Cross Keys Bank has a significantly higher percent of 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 23.38
Credit Card Loans 0.00
Consumer Auto Loans 0.39
Small Business Loans 0.00
Construction and Development Loans 12.55
Commercial Real Estate 24.66
Commercial and Industrial Loans 23.25
Farm Loans 7.58

Frequently Asked Questions About Cross Keys Bank

Branches and Savings

Is Cross Keys Bank FDIC insured?

Yes. It is covered under FDIC Certificate #9322.

Why does Cross Keys 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 Keys Bank CD rates not competitive?

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

Is Cross Keys Bank a commercial bank?


Where are Cross Keys Bank locations?

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Is Cross Keys Bank open on Saturdays?

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Does Cross Keys Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Cross Keys Bank offer personal loans?

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Does Cross Keys Bank offer student loans?

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Background on The Bank

Who owns Cross Keys Bank?

How long has Cross Keys Bank been around?

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