Cypress Bank, SSB: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Cypress Bank, SSB spends more to run itself than most banks of its size. The Pittsburg, Texas bank had $236 million in assets at June 30, 2026, up 2.1% from a year earlier. It spends about 82 cents to bring in each dollar of revenue, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also returns 5.2% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
Net income for the quarter rose 17% from a year earlier, to $338,000. Over the same year, loans grew 0.4% and deposits grew 3.8%. Credit is the area to watch: it carries problem assets equal to 11.4% of the capital and reserves that would absorb them, 4.3 times the median of 2.6% for banks its size.
As of June 30, 2026, Cypress Bank, SSB reported a CET1 capital ratio of 20.50%, a return on assets of 0.57%, a nonperforming-loan ratio of 1.84% and a Texas ratio of 11.41%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 120 S Greer Blvd, Pittsburg, TX 75686
- County
- Camp
- Metro Area
- Mount Pleasant, TX
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1976
- Former names
- Cypress Banc Savings Association (1984-2011)
- Offices
- 5 domestic
- Employees (FTE)
- 56
- Domestic deposits
- $192.9M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $39K
- Average total assets
- $235.4M
- Average total loans
- $140.1M
- Average interest-bearing deposits
- $153.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31905
- Fed RSSD
- 729178
- Website
- www.cypressbanktx.com →
- Parent Holding Company
- CYPRESS BANCSHARES, INC. (RSSD 3823974)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. Net interest margin is the UBPR's tax-equivalent figure over the UBPR's own average earning assets. FDIC BankFind's is not tax-equivalent and divides by the average of quarter-end earning assets including the prior year-end, so after a merger FDIC's margin can differ from ours by several tenths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Cypress Bank, SSB terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Cypress Bank, SSB, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Cypress Bank, SSB rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.50% | 0.57% | 1.84% | 11.41% | 3.72% |
| Q1 2026 | 20.87% | 0.60% | 2.33% | 12.14% | 3.76% |
| Q4 2025 | 20.45% | 0.68% | 1.82% | 9.32% | 3.78% |
| Q3 2025 | 20.09% | 0.54% | 1.91% | 9.86% | 3.69% |
| Q2 2025 | 19.59% | 0.50% | 1.94% | 10.52% | 3.67% |
| Q1 2025 | 19.32% | 0.54% | 2.26% | 12.42% | 3.65% |
| Q4 2024 | 18.44% | 0.61% | 1.98% | 11.65% | 3.58% |
| Q3 2024 | 18.18% | 0.64% | 0.10% | 0.57% | 3.73% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 5 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cypress Bank, SSB (main office) | Pittsburg , TX | 75686 | $87.2M |
| Live Oak at Washington Branch | Commerce , TX | 75428 | $54.3M |
| Cypress Bank Ssb Branch | Mount Pleasant , TX | 75455 | $32.0M |
| 110 N Main Branch | Lone Star , TX | 75668 | $19.4M |
| 801 N Jefferson Branch | Mount Pleasant , TX | 75455 | $0 |
Regulatory record
What the public regulatory sources show for Cypress Bank, SSB, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 298 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Cypress Bank, SSB
What are Cypress Bank, SSB's total assets?
As of the Q2 2026 filing, Cypress Bank, SSB reported total assets of $235.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Cypress Bank, SSB headquartered?
Cypress Bank, SSB is headquartered in Pittsburg, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings bank must.
When was Cypress Bank, SSB founded?
Cypress Bank, SSB was established in 1976, per the FDIC institution directory.
Is Cypress Bank, SSB FDIC-insured?
Yes. Cypress Bank, SSB is an FDIC-insured savings bank (FDIC Certificate #31905). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cypress Bank, SSB?
Cypress Bank, SSB's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Cypress Bank, SSB's CET1 capital ratio?
Cypress Bank, SSB reported a Common Equity Tier 1 (CET1) capital ratio of 20.50% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Cypress Bank, SSB operate?
Cypress Bank, SSB operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cypress Bank, SSB's Texas Ratio?
Cypress Bank, SSB's Texas Ratio is 11.41% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Cypress Bank, SSB previously called?
The charter now named Cypress Bank, SSB has also operated as Cypress Banc Savings Association (1984-2011), per FDIC structure-change records.
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