The south side of Effingham, Illinois, was growing dramatically in the mid 1970s. Not only had Crossroads Press opened a large printing plant on South Banker Street, but the Village Square Mall was being built to provide the City of Effingham with its first indoor shopping mall. The City of Effingham was booming!

Crossroads Bank was founded in the midst of that growth. Chartered in 1973 and opened in 1974 on South Banker Street in front of the new shopping mall, the bank grew quickly. As Crossroads Bank grew, a second facility was built in 1987 on Keller Drive, making banking convenient for all of the bank’s customers. Since that time, Crossroads Bank has continued to thrive and grow in the Effingham community.