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Cypress Bank & Trust

Melbourne, FL · Cert 35506 · Cypress Capital Group Inc.

State charter, non-member · 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 operating in a single state3

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 operating in a single state (n=751 to 755). 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

37

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

96

Q2 2024Q2 2026peer median

Efficiency

19

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 & Trust

Melbourne, FL · Cert 35506 · Cypress Capital Group Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$256.8MAssets
$169.9MLoans
$219.3MDeposits
$28.6MEquity
Loan mix
89%RE $143.8M7%C&I $12.0M3%Consumer $5.3MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $158.9M28%Noninterest $60.4MQ2 2025Q2 2026

NIM

4.75%Q2 ’244.96%Q2 ’255.13%Q2 ’26+8%+13%

Non-interest income vs. expense

8.03%Q2 ’247.84%Q2 ’256.74%Q2 ’26-13%-24%

Market Position · Palm Bay-Melbourne-Titusville, FL · 2026 SOD (annual) · 0.9% share · #13 of 17 inst. · $0.1B of $11.5B

0.9% Brevard
0.1% Palm Beach
0.0% Orange
0.1% Indian River

Executive Summary

  • Earnings: ROA of 1.26%, up 77 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.76%, down 151 bps from a year ago.
  • Funding: loans stand at 77.48% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.26%+77 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+39 bps YoY

Efficiency Ratio (YTD, annualized)

79.10%-1,087 bps YoY

Tier 1 Leverage Ratio

11.76%-151 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.67%0.82%1.30%1.26%+77 bps
Return on Equity4.30%5.54%6.65%10.16%10.39%+609 bps
Net Interest Margin2.96%3.16%3.21%3.60%3.35%+39 bps
Efficiency Ratio89.97%88.06%86.24%78.69%79.10%-1,087 bps
Non-Interest Burden2.10%2.10%2.01%1.72%1.58%-51 bps
Growth
Asset Growth (YoY)13.80%12.25%25.85%19.31%33.97%+2,017 bps
Loan Growth (YoY)45.88%55.03%57.57%48.71%36.93%-896 bps
Deposit Growth (YoY)9.79%7.53%23.19%15.64%38.18%+2,839 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.24%1.13%1.04%1.08%1.08%-16 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.27%13.64%13.43%12.62%11.76%-151 bps
Total Risk-Based Capital13.27%13.64%13.43%12.62%11.76%-151 bps
Equity / Assets13.57%13.74%12.99%12.59%11.14%-243 bps
Liquidity & Funding
Loans / Deposits78.19%88.76%91.03%86.95%77.48%-71 bps
Liquid Assets / Assets25.31%19.48%17.50%20.67%20.60%-471 bps
CRE / Total Capitaln/a375%414%420%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 & Trust

Melbourne, FL · Cert 35506 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Cypress Capital Group Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$256.8MAssets
$169.9MLoans
$219.3MDeposits
$28.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 108 of 751).
  • Widest gap: efficiency ratio trails 81% of banks under $1B in assets operating in a single state (rank 614 of 755).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.13%

Rank 337 of 755

Net Interest Margin

3.35%

Rank 513 of 755

Efficiency Ratio

79.31%

Rank 614 of 755

Equity / Assets

11.14%

Rank 322 of 755

Non-interest income vs. expense

$12.6M$16.4MINCOMEEXPENSE
Unfavorable gap of $3.9M · efficiency ratio beats 19% of banks under $1B in assets operating in a single state
Bank 79.31%Peer median 64.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.13%0.72%1.06%1.45%Beats 55%337 / 755
Return on Equity10.12%6.66%10.44%13.61%Beats 48%396 / 755
Net Interest Margin3.35%3.15%3.68%4.17%Beats 32%513 / 755
Efficiency Ratio79.31%55.75%64.78%75.61%Beats 19%614 / 755
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.05%Beats 100%108 / 751
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 751
Capital
Tier 1 Capital Ratio11.76%11.56%13.81%17.74%Beats 29%538 / 755
Total Risk-Based Capital Ratio11.76%11.72%14.46%18.53%Beats 26%555 / 755
Equity / Assets11.14%8.93%10.56%13.13%Beats 57%322 / 755
Liquidity & Funding
Loans / Deposits77.48%62.43%78.62%91.00%48th pctl391 / 755
Loans / Assets66.16%54.70%67.27%76.55%47th pctl400 / 755
Brokered Deposits / Depositsn/aNot reported for this institution