CYPRESS BANK & TRUST

MELBOURNE, FL | Small | Est. Oct. 23, 1996, midnight | FDIC #35506 | RSSD #2873598 | FDIC
Latest Report: 2025-12-31

CYPRESS BANK & TRUST is asn small FDIC-insured commercial bank headquartered in MELBOURNE, FL, established in Oct. 23, 1996, midnight. As of 2025-12-31, the bank reported total assets of $209M and total deposits of $173M. Profitability stands at 1.23% ROA and 9.23% ROE, with a net interest margin of 4.07%. The bank's CET1 capital ratio is 12.95%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #35506.

Assets

$209M

Deposits

$173M

Loans

$158M

Equity

$27M

Profitability

Return on Assets (ROA) 1.23%
Return on Equity (ROE) 9.23%
Net Interest Margin (NIM) 4.07%
Yield on Assets 6.10%
Cost of Funds 2.26%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 12.95%
Tier 1 Capital 12.95%
Total Capital Ratio 13.60%
Leverage Ratio 13.43%
Loan-to-Deposit 91.03%

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