🏦Bank Scorer

This institution is no longer active

Operations ceased on January 1, 2026. CRA examination history below reflects the period it was active.

CROSS KEYS BANK

SAINT JOSEPH, LA · Supervised by FDIC

Est. 1902FDIC #9,322RSSD: FDIC-9322
Part ofBSJ BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.04%

Institution Profile

FDIC BankFind

Address

307 Plank Rd, SAINT JOSEPH, LA

County

Tensas County

Established

April 2, 1902

Total Assets

$627M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2027(based on asset size)

Financial Snapshot

As of Q4 2025Call Report / FDIC

Total Assets

$627M

Total Deposits

$509M

Net Loans

$419M

Net Income

$6M

ROA

1.04%

ROE

9.25%

Risk-Based Capital

16.91%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate11.61%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$505M

1-Year Change

+1

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202415565.16%11.61%
202312770.08%7.87%
202240376.67%5.71%
202171082.96%7.89%
202076784.75%5.35%
201926861.19%15.30%
201824365.84%11.93%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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