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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.54% | 0.68% | 0.60% | 0.58% | +8 bps | |
| Return on Equity | 4.63% | 4.98% | 6.13% | 5.35% | 5.24% | +60 bps | |
| Net Interest Margin | 3.43% | 3.45% | 3.51% | 3.50% | 3.47% | +3 bps | |
| Efficiency Ratio | 83.98% | 83.06% | 78.55% | 82.92% | 83.36% | -62 bps | |
| Non-Interest Burden | 2.84% | 2.79% | 2.67% | 2.79% | 2.78% | -6 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 / Loans | 1.94% | 1.91% | 1.82% | 2.33% | 1.84% | -10 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.19% | 0.06% | 0.00% | 0.11% | +6 bps | |
| Allowance / Loans | 0.95% | 0.94% | 0.92% | 0.90% | 0.90% | -5 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.5x | 0.4x | 0.5x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.34% | 11.42% | 11.64% | 11.88% | 11.44% | +9 bps | |
| Total Risk-Based Capital | 20.62% | 21.10% | 21.45% | 21.89% | 21.49% | +87 bps | |
| Equity / Assets | 10.68% | 10.98% | 11.35% | 11.19% | 10.90% | +22 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.19% | 72.64% | 74.71% | 76.05% | 72.74% | -245 bps | |
| Liquid Assets / Assets | 26.57% | 23.08% | 20.78% | 21.38% | 22.14% | -443 bps | |
| CRE / Total Capital | n/a | 117.08% | 110.70% | 107.02% | n/a | n/a | |