Cypress Bank & Trust
Total assets
$256.8M
▲ +34.0% YoY
Deposits
$219.3M
▲ +38.2% YoY
Loans
$168.1M
▲ +37.1% YoY
Offices
5
CYPRESS CAPITAL GROUP INC
ROA (annualized)
1.26%
peers 1.24%
ROE (annualized)
10.39%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Cypress Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +34.0% | +4.4% | +29.6 pts |
| Deposit growth (YoY) | +38.2% | +4.0% | +34.2 pts |
| Loan growth (YoY) | +37.1% | +5.6% | +31.6 pts |
| ROA | 1.26% | 1.24% | +0.0 pts |
| ROE | 10.4% | 11.9% | -1.5 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
Profile
- Established
- 1996
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- CYPRESS CAPITAL GROUP INC
- Specialization
- Commercial Lending Specialization
- Address
- 6115 N Wickham Rd, Melbourne, FL, 32940
- County
- Brevard
- Metro area
- Palm Bay-Melbourne-Titusville, FL
- Offices
- 5
- FDIC cert #
- 35506
- RSSD ID
- 2873598
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $256.8M | $219.3M | $168.1M | $28.6M | $1.4M | 1.26% | 3.82% | 0.00% |
| Q1 2026 | $221.1M | $185.2M | $159.3M | $27.8M | $698K | 1.30% | 3.95% | 0.00% |
| Q4 2025 | $208.9M | $173.1M | $155.9M | $27.1M | $1.5M | 0.82% | 3.67% | 0.00% |
| Q3 2025 | $192.9M | $158.1M | $138.7M | $26.5M | $922K | 0.67% | 3.54% | 0.00% |
| Q2 2025 | $191.7M | $158.7M | $122.6M | $26.0M | $446K | 0.49% | 3.38% | 0.00% |
| Q1 2025 | $185.3M | $160.2M | $106.9M | $18.2M | $165K | 0.38% | 3.16% | 0.00% |
| Q4 2024 | $166.0M | $140.5M | $98.7M | $18.0M | $467K | 0.28% | 3.14% | 0.00% |
| Q3 2024 | $171.8M | $147.0M | $89.4M | $17.8M | $292K | 0.23% | 3.09% | 0.00% |
Loan mix (Q2 2026): real estate $149.5M · commercial $14.3M · consumer $6.1M · securities $28.9M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Cypress Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.24% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 11.9% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.96% | 42th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.1% | 62.9% | 84th | |
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% |
Balance sheet
| Ratio | Cypress Bank & Trust | 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% |
Capital
| Ratio | Cypress Bank & Trust | 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% |
Credit quality
| Ratio | Cypress Bank & Trust | 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% |
Franchise
| Ratio | Cypress Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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