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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