Melbourne, FL · Cert 35506 · Cypress Capital Group Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Palm Bay-Melbourne-Titusville, FL · 2026 SOD (annual) · 0.9% share · #13 of 17 inst. · $0.1B of $11.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.28% | 0.38% | 0.49% | 0.67% | 0.82% | 1.30% | 1.26% | +77 bps | |
| Return on Equity | 2.21% | 2.64% | 3.64% | 4.30% | 5.54% | 6.65% | 10.16% | 10.39% | +609 bps | |
| Net Interest Margin | 2.86% | 2.86% | 2.98% | 2.96% | 3.16% | 3.21% | 3.60% | 3.35% | +39 bps | |
| Efficiency Ratio | 94.02% | 93.08% | 92.25% | 89.97% | 88.06% | 86.24% | 78.69% | 79.10% | -1,087 bps | |
| Non-Interest Burden | 2.34% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.28% | 1.27% | 1.29% | 1.24% | 1.13% | 1.04% | 1.08% | 1.08% | -16 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.18% | 10.20% | 10.14% | 13.27% | 13.64% | 13.43% | 12.62% | 11.76% | -151 bps | |
| Total Risk-Based Capital | 10.18% | 10.20% | 10.14% | 13.27% | 13.64% | 13.43% | 12.62% | 11.76% | -151 bps | |
| Equity / Assets | 10.38% | 10.86% | 9.82% | 13.57% | 13.74% | 12.99% | 12.59% | 11.14% | -243 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.57% | 71.16% | 67.61% | 78.19% | 88.76% | 91.03% | 86.95% | 77.48% | -71 bps | |
| Liquid Assets / Assets | 25.56% | 25.03% | 23.93% | 25.31% | 19.48% | 17.50% | 20.67% | 20.60% | -471 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 375% | 414% | 420% | n/a | n/a | |