Is My Money Safe at Cross Keys Bank?
Cross Keys Bank (FDIC cert #9322) is FDIC-insured, so deposits are protected up to $250,000 per depositor, per ownership category — even if the bank fails. On the underlying financials, Cross Keys Bank carries a Bank Health Score of 87/100 (grade A) from FDIC call report data, with its strongest factor being Tier 1 capital (100/100) and profitability its weakest (49/100).
This page answers a common banking-safety question: Is My Money Safe at Cross Keys Bank?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Are your deposits at Cross Keys Bank protected?
Cross Keys Bank is FDIC-insured under certificate #9322. That means your deposits are guaranteed by the U.S. government up to $250,000 per depositor, per ownership category — and if the bank ever failed, the FDIC has historically made insured depositors whole within days, usually by the next business day. Checking, savings, money market, and CD balances are all covered; investment products like stocks, bonds, mutual funds, and annuities are not.
Because of that insurance, the practical question for most depositors is not whether your insured money is safe — it is — but whether Cross Keys Bank is financially healthy enough that your above-limit balances, business accounts, or banking relationship are on solid ground.Cross Keys Bank carries a Bank Health Score of 87/100 (grade A). Its Tier 1 capital ratio of 15.45% sits comfortably above the 8% "well-capitalized" threshold.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.45% | 100/100 |
| Nonperforming Loan Ratio | 1.37% | 73/100 |
| Liquidity Ratio | 32.76% | 100/100 |
| Return on Assets | 0.73% | 49/100 |
| Total Assets | $0.6B | |
How does Cross Keys Bank compare?
With a Bank Health Score of 87/100, Cross Keys Bank sits 17.0 points above the national average of 70/100 for FDIC-insured banks. Within Louisiana, where 93 FDIC-insured banks are headquartered, Cross Keys Bank ranks above the state average of 63/100 (Grade C).
The bank's Tier 1 capital ratio of 15.45% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 1.37% is in a normal range for a bank this size.
What changed in the last year?
Over the last four quarters, Cross Keys Bank's Bank Health Score fell by 3.0 points to 87/100. Tier 1 capital strengthened by 0.72 percentage points to 15.45%. Quarter-over-quarter, the score fell by 4.0 points.
Frequently Asked Questions
Cross Keys Bank (FDIC cert #9322) is FDIC-insured, so deposits are protected up to $250,000 per depositor, per ownership category — even if the bank fails. On the underlying financials, Cross Keys Bank carries a Bank Health Score of 87/100 (grade A) from FDIC call report data, with its strongest factor being Tier 1 capital (100/100) and profitability its weakest (49/100).
Yes. Cross Keys Bank (FDIC certificate #9322) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
Cross Keys Bank's Bank Health Score of 87/100 is 24.0 points above the Louisiana state average of 63/100. 93 FDIC-insured banks are headquartered in Louisiana.
More about Cross Keys Bank
Cross Keys Bank (FDIC cert #9322) is FDIC-insured, so deposits are protected up to $250,000 per depositor, per ownership category — even if the bank fails. On the underlying financials, Cross Keys Bank carries a Bank Health Score of 87/100 (grade A) from FDIC call report data, with its strongest factor being Tier 1 capital (100/100) and profitability its weakest (49/100).