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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 $5.3MQ3 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 1.25%, up 66 bps year over year; NIM at 3.45%.
  • 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 (quarter, annualized)

1.25%+66 bps YoY

Net Interest Margin (quarter, annualized)

3.45%+21 bps YoY

Efficiency Ratio (quarter, annualized)

79.46%-848 bps YoY

Tier 1 Leverage Ratio

11.76%-151 bps YoY

NIM

5.02%Q2 ’245.28%Q2 ’255.39%Q2 ’26+13%+7%

Non-interest income vs. expense

8.36%Q2 ’248.09%Q2 ’257.15%Q2 ’26-13%-24%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.41%0.38%0.60%0.99%1.23%1.30%1.25%+66 bps
Return on Equity3.40%3.90%3.64%5.08%7.25%9.23%10.16%10.62%+553 bps
Net Interest Margin2.79%2.96%2.98%3.24%3.55%3.79%3.60%3.45%+21 bps
Efficiency Ratio89.88%90.42%92.25%87.93%84.55%81.35%78.69%79.46%-848 bps
Non-Interest Burden1.90%2.08%2.28%2.14%2.10%2.01%1.72%1.62%-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