CYPRESS BANK, SSB

PITTSBURG, TX | Small | Est. Jan. 1, 1976, midnight | FDIC #31905 | RSSD #729178 | FDIC
Latest Report: 2025-12-31

CYPRESS BANK, SSB is asn small FDIC-insured commercial bank headquartered in PITTSBURG, TX, established in Jan. 1, 1976, midnight. As of 2025-12-31, the bank reported total assets of $227M and total deposits of $184M. Profitability stands at 0.68% ROA and 6.13% ROE, with a net interest margin of 3.84%. The bank's CET1 capital ratio is 20.45%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.82% and a Texas Ratio of 9.25%. FDIC Certificate #31905.

Assets

$227M

Deposits

$184M

Loans

$138M

Equity

$26M

Profitability

Return on Assets (ROA) 0.68%
Return on Equity (ROE) 6.13%
Net Interest Margin (NIM) 3.84%
Yield on Assets 5.95%
Cost of Funds 2.21%

Asset Quality

NPL Ratio 1.82%
Net Charge-Off Ratio 0.12%
Texas Ratio 9.25%
NPA Ratio 1.10%
ACL / Loans 0.92%

Capital & Liquidity

CET1 Ratio 20.45%
Tier 1 Capital 20.45%
Total Capital Ratio 21.45%
Leverage Ratio 11.64%
Loan-to-Deposit 74.71%

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