Pittsburg, TX · Cert 31905 · Cypress Bancshares Inc.
SI · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
68
Asset Quality
21
Profitability
21
Liquidity
73
Efficiency
13
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.
Pittsburg, TX · Cert 31905 · Cypress Bancshares Inc.
SI · FDIC · 5 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #143 of 166 inst. · $0.1B of $732.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.60% | 0.53% | 0.52% | 0.52% | 0.56% | 0.60% | 0.59% | +8 bps | |
| Return on Equity | 5.65% | 5.67% | 4.95% | 4.81% | 4.85% | 5.17% | 5.35% | 5.30% | +50 bps | |
| Net Interest Margin | 3.43% | 3.38% | 3.42% | 3.41% | 3.41% | 3.45% | 3.50% | 3.43% | +2 bps | |
| Efficiency Ratio | 81.07% | 81.17% | 84.46% | 84.22% | 83.82% | 82.46% | 82.92% | 83.14% | -108 bps | |
| Non-Interest Burden | 2.69% | 2.66% | 2.83% | 2.83% | 2.81% | 2.78% | 2.79% | 2.75% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.72% | -2.01% | 1.83% | -0.26% | 0.05% | -1.20% | -0.39% | 2.09% | +235 bps | |
| Loan Growth (YoY) | 1.26% | 2.44% | -4.62% | -7.93% | -10.00% | -9.76% | -2.50% | 0.40% | +833 bps | |
| Deposit Growth (YoY) | 1.77% | -3.56% | 1.71% | 2.18% | 3.32% | 1.66% | -0.05% | 3.78% | +160 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 1.98% | 2.26% | 1.94% | 1.91% | 1.82% | 2.33% | 1.84% | -10 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.14% | 0.17% | 0.12% | 0.14% | 0.12% | 0.00% | 0.06% | -6 bps | |
| Allowance / Loans | 0.94% | 0.91% | 0.94% | 0.95% | 0.94% | 0.92% | 0.90% | 0.90% | -5 bps | |
| Allowance Coverage of NPLs | 9.7x | 0.5x | 0.4x | 0.5x | 0.5x | 0.5x | 0.4x | 0.5x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.18% | 11.23% | 11.56% | 11.34% | 11.42% | 11.64% | 11.88% | 11.44% | +9 bps | |
| Total Risk-Based Capital | 19.19% | 19.45% | 20.32% | 20.62% | 21.10% | 21.45% | 21.89% | 21.49% | +87 bps | |
| Equity / Assets | 10.67% | 10.75% | 10.77% | 10.68% | 10.98% | 11.35% | 11.19% | 10.90% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.39% | 84.16% | 77.96% | 75.19% | 72.64% | 74.71% | 76.05% | 72.74% | -245 bps | |
| Liquid Assets / Assets | 23.29% | 22.52% | 26.14% | 26.57% | 23.08% | 20.78% | 21.38% | 22.14% | -443 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 117.08% | 110.70% | 107.02% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.58% | 0.87% | 1.20% | 1.65% | Beats 16% | 177 / 211 | ||
| Return on Equity | 5.33% | 7.52% | 11.67% | 14.58% | Beats 17% | 175 / 211 | ||
| Net Interest Margin | 3.43% | 3.28% | 3.82% | 4.31% | Beats 30% | 147 / 211 | ||
| Efficiency Ratio | 83.14% | 53.01% | 64.18% | 73.65% | Beats 13% | 184 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.84% | 0.01% | 0.30% | 1.10% | Beats 17% | 173 / 208 | ||
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.01% | 0.06% | Beats 24% | 159 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.50% | 11.72% | 14.45% | 19.57% | Beats 79% | 45 / 211 | ||
| Total Risk-Based Capital Ratio | 21.49% | 11.94% | 14.78% | 20.30% | Beats 78% | 46 / 211 | ||
| Equity / Assets | 10.90% | 9.41% | 11.06% | 12.94% | Beats 46% | 113 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.75% | 45.39% | 66.56% | 82.03% | 59th pctl | 85 / 208 | ||
| Loans / Assets | 59.57% | 39.13% | 56.90% | 70.46% | 56th pctl | 93 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||