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TREC Trail bridge at dawn
The City of Effingham uses its resources to expand innovative programs and opportunities. We too take ownership and demonstrate community commitment in every decision we make.
Crossroads Bank started in Effingham, and we continue to keep our focus here in Effingham. We are Your hometown banking option. Visit our past, see our future, Crossroads Bank.
Tell us how we did! You can take our survey or submit a Google Review at this time.
Crossroads Bank Officers understand the value of the community; and as such they commit to making Effingham community a priority. Volunteering their time to charitable organizations, our employees strive to improve the community in which they live and work.
Encompassing a wide array of talent and experiences, the Board of Directors at Crossroads Bank continue to make the Bank an asset to its customers and its employees, as well as the community as a whole.
Crossroads Bank is part of your community. See how we are doing our part to build a better tomorrow for the people of Effingham County!
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Under the Illinois Community Reinvestment Act (ILCRA), the Secretary of the Department of Financial and Professional Regulation (Secretary) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The Secretary also takes this record into account when deciding on certain applications submitted by us.
Your involvement is encouraged.
You are entitled to certain information about our operations and our performance under the ILCRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent ILCRA Performance Evaluation, prepared by the Secretary; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.
At least 30 days before the beginning of each quarter, the Secretary publishes a list of the banks that are scheduled for ILCRA examination in that quarter. This list is available from the Secretary at 320 West Washing Street, 3rd Floor Springfield, IL 62786 and 555 West Monroe Street, Suite 500 Chicago, IL 60661. You may send written comments about our performance in helping to meet community credit needs to (name and address of official at bank) and Secretary. You may also submit comments electronically through the Department’s Web site at https://idfpr.illinois.gov/admin/cra.html. Your letter, together with any response by us, will be considered by the Secretary in evaluating our ILCRA performance and may be made public.
You may ask to look at any comments received by the Secretary. You may also request from the Secretary an announcement of our applications covered by the ILCRA filed with the Secretary.
We are an affiliate of Omni Bancorp, Inc., a bank holding company. You may request from the Vice President & Consumer Affairs Officer, Federal Reserve Bank of St. Louis, P.O. Box 442, St. Louis, Missouri, 63166-0442 an announcement of applications covered by the ILCRA filed by bank holding companies.
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