Bank Comparison
Grand Rapids State Bank vs Cypress Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 7
winning metrics across 13 scored rows
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Capital adequacy
| Metric | Grand Rapids State Bank | Cypress Bank & Trust |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.02% | 11.76% |
| Equity / Assets | 9.14% | 11.14% |
Profitability
| Metric | Grand Rapids State Bank | Cypress Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 1.53% | 1.23% |
| Return on Equity (ROE) | 16.96% | 10.62% |
| Net Interest Margin (NIM) | 5.28% | 3.64% |
| Yield on Earning Assets | 5.74% | 5.70% |
| Cost of Funds | 0.49% | 2.22% |
Asset quality
| Metric | Grand Rapids State Bank | Cypress Bank & Trust |
|---|---|---|
| Texas Ratio | 0.19% | 0.00% |
| Non-Performing Loan Ratio | 0.03% | 0.00% |
| Non-Performing Asset Ratio | 0.02% | 0.00% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 0.76% | 1.08% |
Balance sheet
| Metric | Grand Rapids State Bank | Cypress Bank & Trust |
|---|---|---|
| Total Assets | $257.2M | $256.8M |
| Total Deposits | $230.6M | $219.3M |
| Total Loans | $139.6M | $169.9M |
| Total Equity | $23.5M | $28.6M |
| Net Income (quarter) | $1.0M | $749K |
Liquidity & funding
| Metric | Grand Rapids State Bank | Cypress Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 60.53% | 77.48% |
| Core Deposit Ratio | 97.44% | 98.58% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Grand Rapids State Bank | Cypress Bank & Trust |
|---|---|---|
| Headquarters City | Grand Rapids | Melbourne |
| Headquarters State | MN | FL |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FED | FDIC |
| Domestic Branches | 2 | 5 |
| Employees (FTE) | 40 | 55 |
| Established | June 15, 1914 | October 23, 1996 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of September 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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