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
Unfavorable gap of $6.5M · efficiency ratio beats 13% of banks under $1B in assets in TX | 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 |