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Cypress Bank, SSB

Pittsburg, TX · Cert 31905 · Cypress Bancshares Inc.

SI · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

68

Q2 2024Q2 2026peer median (50)

Asset Quality

21

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

73

Q2 2024Q2 2026peer median

Efficiency

13

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cypress Bank, SSB

Pittsburg, TX · Cert 31905 · Cypress Bancshares Inc.

SI · FDIC · 5 branches

Q2 2026

$235.5MAssets
$140.3MLoans
$192.9MDeposits
$25.7MEquity
Loan mix
87%RE $120.1M6%C&I $7.9M8%Consumer $10.8MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $156.7M19%Noninterest $36.2MQ2 2025Q2 2026

NIM

5.73%Q2 ’245.57%Q2 ’255.17%Q2 ’26-2%+1%

Non-interest income vs. expense

3.22%Q2 ’243.12%Q2 ’253.36%Q2 ’26+3%-3%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #143 of 166 inst. · $0.1B of $732.8B

25.8% Camp
3.6% Hunt
3.3% Titus
6.5% Morris

Executive Summary

  • Earnings: ROA of 0.59%, up 8 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 1.84% of loans (-10 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 11.44%, up 9 bps from a year ago.
  • Funding: loans stand at 72.74% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.59%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+2 bps YoY

Efficiency Ratio (YTD, annualized)

83.14%-108 bps YoY

Tier 1 Leverage Ratio

11.44%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.52%0.56%0.60%0.59%+8 bps
Return on Equity4.81%4.85%5.17%5.35%5.30%+50 bps
Net Interest Margin3.41%3.41%3.45%3.50%3.43%+2 bps
Efficiency Ratio84.22%83.82%82.46%82.92%83.14%-108 bps
Non-Interest Burden2.83%2.81%2.78%2.79%2.75%-8 bps
Growth
Asset Growth (YoY)-0.26%0.05%-1.20%-0.39%2.09%+235 bps
Loan Growth (YoY)-7.93%-10.00%-9.76%-2.50%0.40%+833 bps
Deposit Growth (YoY)2.18%3.32%1.66%-0.05%3.78%+160 bps
Asset Quality
Nonperforming Loans / Loans1.94%1.91%1.82%2.33%1.84%-10 bps
Net Charge-Offs / Loans0.12%0.14%0.12%0.00%0.06%-6 bps
Allowance / Loans0.95%0.94%0.92%0.90%0.90%-5 bps
Allowance Coverage of NPLs0.5x0.5x0.5x0.4x0.5x0.0x
Capital
Tier 1 Leverage Ratio11.34%11.42%11.64%11.88%11.44%+9 bps
Total Risk-Based Capital20.62%21.10%21.45%21.89%21.49%+87 bps
Equity / Assets10.68%10.98%11.35%11.19%10.90%+22 bps
Liquidity & Funding
Loans / Deposits75.19%72.64%74.71%76.05%72.74%-245 bps
Liquid Assets / Assets26.57%23.08%20.78%21.38%22.14%-443 bps
CRE / Total Capitaln/a117.08%110.70%107.02%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Cypress Bank, SSB

Pittsburg, TX · Cert 31905 · Peer group: banks under $1B in assets in TX (n=208-211) · Cypress Bancshares Inc.

SI · FDIC · 5 branches

Q2 2026

$235.5MAssets
$140.3MLoans
$192.9MDeposits
$25.7MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 79% of banks under $1B in assets in TX (rank 45 of 211).
  • Widest gap: efficiency ratio trails 87% of banks under $1B in assets in TX (rank 184 of 211).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.58%

Rank 177 of 211

Net Interest Margin

3.43%

Rank 147 of 211

Efficiency Ratio

83.14%

Rank 184 of 211

Equity / Assets

10.90%

Rank 113 of 211

Non-interest income vs. expense

$1.4M$7.9MINCOMEEXPENSE
Unfavorable gap of $6.5M · efficiency ratio beats 13% of banks under $1B in assets in TX
Bank 83.14%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.58%0.87%1.20%1.65%Beats 16%177 / 211
Return on Equity5.33%7.52%11.67%14.58%Beats 17%175 / 211
Net Interest Margin3.43%3.28%3.82%4.31%Beats 30%147 / 211
Efficiency Ratio83.14%53.01%64.18%73.65%Beats 13%184 / 211
Asset Quality
Nonperforming Loans / Loans1.84%0.01%0.30%1.10%Beats 17%173 / 208
Net Charge-Offs / Loans0.06%0.00%0.01%0.06%Beats 24%159 / 208
Capital
Tier 1 Capital Ratio20.50%11.72%14.45%19.57%Beats 79%45 / 211
Total Risk-Based Capital Ratio21.49%11.94%14.78%20.30%Beats 78%46 / 211
Equity / Assets10.90%9.41%11.06%12.94%Beats 46%113 / 211
Liquidity & Funding
Loans / Deposits72.75%45.39%66.56%82.03%59th pctl85 / 208
Loans / Assets59.57%39.13%56.90%70.46%56th pctl93 / 211
Brokered Deposits / Depositsn/aNot reported for this institution