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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 assets3

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 (n=581 to 629). 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

38

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

25

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 $5.3MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $158.9M28%Noninterest $60.4MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.28%0.38%0.49%0.67%0.82%1.30%1.26%+77 bps
Return on Equity2.21%2.64%3.64%4.30%5.54%6.65%10.16%10.39%+609 bps
Net Interest Margin2.86%2.86%2.98%2.96%3.16%3.21%3.60%3.35%+39 bps
Efficiency Ratio94.02%93.08%92.25%89.97%88.06%86.24%78.69%79.10%-1,087 bps
Non-Interest Burden2.34%2.25%2.28%2.10%2.10%2.01%1.72%1.58%-51 bps
Growth
Asset Growth (YoY)23.61%13.49%-1.02%13.80%12.25%25.85%19.31%33.97%+2,017 bps
Loan Growth (YoY)20.96%30.51%35.30%45.88%55.03%57.57%48.71%36.93%-896 bps
Deposit Growth (YoY)26.61%14.27%-1.97%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.28%1.27%1.29%1.24%1.13%1.04%1.08%1.08%-16 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.18%10.20%10.14%13.27%13.64%13.43%12.62%11.76%-151 bps
Total Risk-Based Capital10.18%10.20%10.14%13.27%13.64%13.43%12.62%11.76%-151 bps
Equity / Assets10.38%10.86%9.82%13.57%13.74%12.99%12.59%11.14%-243 bps
Liquidity & Funding
Loans / Deposits61.57%71.16%67.61%78.19%88.76%91.03%86.95%77.48%-71 bps
Liquid Assets / Assets25.56%25.03%23.93%25.31%19.48%17.50%20.67%20.60%-471 bps
CRE / Total Capitaln/an/an/an/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 (n=581-629) · 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 (rank 81 of 581).
  • Widest gap: efficiency ratio trails 75% of banks under $1B in assets (rank 473 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.13%

Rank 267 of 629

Net Interest Margin

3.35%

Rank 379 of 629

Efficiency Ratio

79.31%

Rank 473 of 629

Equity / Assets

11.14%

Rank 279 of 629

Non-interest income vs. expense

$12.6M$16.4MINCOMEEXPENSE
Unfavorable gap of $3.9M · efficiency ratio beats 25% of banks under $1B in assets
Bank 79.31%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.13%0.60%1.01%1.45%Beats 58%267 / 629
Return on Equity10.12%5.38%9.30%13.28%Beats 55%285 / 629
Net Interest Margin3.35%3.03%3.54%4.05%Beats 40%379 / 629
Efficiency Ratio79.31%58.35%67.79%79.08%Beats 25%473 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio11.76%11.24%13.84%18.77%Beats 31%437 / 629
Total Risk-Based Capital Ratio11.76%11.58%14.43%19.66%Beats 26%466 / 629
Equity / Assets11.14%9.09%10.65%13.80%Beats 56%279 / 629
Liquidity & Funding
Loans / Deposits77.48%67.24%80.90%93.48%46th pctl323 / 594
Loans / Assets66.16%53.31%67.71%78.15%47th pctl334 / 629
Brokered Deposits / Depositsn/aNot reported for this institution