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
Unfavorable gap of $3.9M · efficiency ratio beats 25% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.13% | 0.60% | 1.01% | 1.45% | Beats 58% | 267 / 629 | | |
| Return on Equity | 10.12% | 5.38% | 9.30% | 13.28% | Beats 55% | 285 / 629 | | |
| Net Interest Margin | 3.35% | 3.03% | 3.54% | 4.05% | Beats 40% | 379 / 629 | | |
| Efficiency Ratio | 79.31% | 58.35% | 67.79% | 79.08% | Beats 25% | 473 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 11.76% | 11.24% | 13.84% | 18.77% | Beats 31% | 437 / 629 | | |
| Total Risk-Based Capital Ratio | 11.76% | 11.58% | 14.43% | 19.66% | Beats 26% | 466 / 629 | | |
| Equity / Assets | 11.14% | 9.09% | 10.65% | 13.80% | Beats 56% | 279 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.48% | 67.24% | 80.90% | 93.48% | 46th pctl | 323 / 594 | | |
| Loans / Assets | 66.16% | 53.31% | 67.71% | 78.15% | 47th pctl | 334 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |