| 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
| 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 | Cypress Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.24% | 52nd | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 11.9% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
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% |
| 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% |
| Ratio | Cypress Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
5 branches in 5 counties across 1 state (+1 vs 2025) · $219.3M branch deposits. Biggest market: Brevard, FL, ranked 18th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Brevard, FL | 1 | $106.9M | 0.63% | 18th |
| Palm Beach, FL | 1 | $78.9M | 0.11% | 46th |
| Orange, FL | 1 | $20.6M | 0.04% | 55th |
| 2 more counties with Pro → | ||||
Florida: 180th with 0.02% · Palm Bay-Melbourne-Titusville metro: 18th, 0.63% · Miami-Fort Lauderdale-West Palm Beach metro: 94th, 0.02% ·
Branch count: 2022 3 · 2023 3 · 2024 4 · 2025 4 · 2026 5
Spends 2.6× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).