| Metric | Cypress Bank, SSB | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +4.4% | -2.3 pts |
| Deposit growth (YoY) | +3.8% | +4.0% | -0.2 pts |
| Loan growth (YoY) | +0.5% | +5.6% | -5.1 pts |
| ROA | 0.59% | 1.24% | -0.6 pts |
| ROE | 5.3% | 11.9% | -6.6 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $235.5M | $192.9M | $139.0M | $25.7M | $684K | 0.59% | 3.75% | 1.30% |
| Q1 2026 | $231.9M | $185.2M | $139.6M | $26.0M | $346K | 0.60% | 3.75% | 1.41% |
| Q4 2025 | $226.9M | $184.2M | $136.3M | $25.7M | $1.3M | 0.56% | 3.70% | 1.10% |
| Q3 2025 | $231.9M | $188.5M | $135.6M | $25.4M | $908K | 0.52% | 3.66% | 1.13% |
| Q2 2025 | $230.7M | $185.8M | $138.4M | $24.6M | $596K | 0.52% | 3.64% | 1.17% |
| Q1 2025 | $232.8M | $185.3M | $143.1M | $25.1M | $308K | 0.53% | 3.62% | 1.40% |
| Q4 2024 | $229.7M | $181.2M | $151.1M | $24.7M | $1.4M | 0.60% | 3.66% | 1.31% |
| Q3 2024 | $231.7M | $182.4M | $150.7M | $24.7M | $1.0M | 0.59% | 3.67% | 0.06% |
Loan mix (Q2 2026): real estate $119.9M · commercial $8.1M · consumer $10.3M · securities $67.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Cypress Bank, SSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 1.24% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 11.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.1% | 62.9% | 88th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Cypress Bank, SSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Cypress Bank, SSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Cypress Bank, SSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Cypress Bank, SSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.