Bank Comparison
Muenster State Bank vs Cypress Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 10
winning metrics across 16 comparable rows
Capital adequacy
| Metric | Muenster State Bank | Cypress Bank & Trust |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 14.37% | 12.62% |
| Equity / Assets | 11.88% | 12.59% |
Profitability
| Metric | Muenster State Bank | Cypress Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 2.29% | 1.27% |
| Return on Equity (ROE) | 20.18% | 10.16% |
| Net Interest Margin (NIM) | 3.49% | 3.83% |
| Yield on Earning Assets | 4.61% | 5.77% |
| Cost of Funds | 1.25% | 2.19% |
Asset quality
| Metric | Muenster State Bank | Cypress Bank & Trust |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.92% | 1.08% |
Balance sheet
| Metric | Muenster State Bank | Cypress Bank & Trust |
|---|---|---|
| Total Assets | $221,060K | $221,102K |
| Total Deposits | $189,139K | $185,248K |
| Total Loans | $81,392K | $161,065K |
| Total Equity | $26,264K | $27,841K |
| Net Income (quarter) | $1,305K | $698 |
Liquidity & funding
| Metric | Muenster State Bank | Cypress Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 43.03% | 86.95% |
| Core Deposit Ratio | 92.92% | 97.91% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Muenster State Bank | Cypress Bank & Trust |
|---|---|---|
| Headquarters City | MUENSTER | MELBOURNE |
| Headquarters State | TX | FL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 5 |
| Employees (FTE) | 18 | 55 |
| Established | July 3, 1923, midnight | Oct. 23, 1996, midnight |
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 . 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.
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