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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 $10.8MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $156.7M19%Noninterest $36.2MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.59%0.60%0.53%0.52%0.52%0.56%0.60%0.59%+8 bps
Return on Equity5.65%5.67%4.95%4.81%4.85%5.17%5.35%5.30%+50 bps
Net Interest Margin3.43%3.38%3.42%3.41%3.41%3.45%3.50%3.43%+2 bps
Efficiency Ratio81.07%81.17%84.46%84.22%83.82%82.46%82.92%83.14%-108 bps
Non-Interest Burden2.69%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 / Loans0.10%1.98%2.26%1.94%1.91%1.82%2.33%1.84%-10 bps
Net Charge-Offs / Loans0.17%0.14%0.17%0.12%0.14%0.12%0.00%0.06%-6 bps
Allowance / Loans0.94%0.91%0.94%0.95%0.94%0.92%0.90%0.90%-5 bps
Allowance Coverage of NPLs9.7x0.5x0.4x0.5x0.5x0.5x0.4x0.5x0.0x
Capital
Tier 1 Leverage Ratio11.18%11.23%11.56%11.34%11.42%11.64%11.88%11.44%+9 bps
Total Risk-Based Capital19.19%19.45%20.32%20.62%21.10%21.45%21.89%21.49%+87 bps
Equity / Assets10.67%10.75%10.77%10.68%10.98%11.35%11.19%10.90%+22 bps
Liquidity & Funding
Loans / Deposits83.39%84.16%77.96%75.19%72.64%74.71%76.05%72.74%-245 bps
Liquid Assets / Assets23.29%22.52%26.14%26.57%23.08%20.78%21.38%22.14%-443 bps
CRE / Total Capitaln/an/an/an/a117.08%110.70%107.02%n/an/a