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Welcome to Cross Keys Bank! We hope you will enjoy looking through some of the newsletters that we have posted on line for your reading pleasure, and an opportunity to understand your bank better.

Additionally, we have posted the Annual Reports of our parent company BSJ Bancshares, Inc. Cross Keys Bank has believed strongly in "transparency" from its beginning, and sharing our financial results with our shareholders and depositors is a high priority for us. Thus, we are making available several years of data on our website, and want it to be easy for you to research "how we are doing," and hopefully, add to your confidence in being on the Cross Keys Bank team as a depositor, or as a shareholder.


Spring 2020  Spring 2019

Spring 2018 Spring 2017

Spring 2016 Fall 2015

Spring 2015  Fall 2014 

Winter 2013 Summer 2013

Fall 2012 Spring 2012

Fall 2011  Spring 2011

Annual Reports 

2019 Annual Report

2018 Annual Report 2017 Annual Report 

2016 Annual Report  2015 Annual Report

2014 Annual Report 2013 Annual Report

2012 Annual Report 2011 Annual Report

2010 Annual Report 2009 Annual Report

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