Cypress Bank, SSB
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Data as of · sourced from FFIEC call reports. How we update
Cypress Bank, SSB is an FDIC-insured savings bank headquartered in Pittsburg, TX, established in 1976 (FDIC certificate 31905), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $235.5M, up 2.1% from Q2 2025, the 240th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 20.50% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 31905
- Headquarters
- Pittsburg, TX
- Established
- 1976
- Total assets, Q2 2026
- $235.5M
- Assets vs Q2 2025
- +2.1%
- CET1 ratio, Q2 2026
- 20.50%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 311974032
- Holding company
- CYPRESS BANCSHARES, INC.
- Asset rank in state
- 240th of 346 in Texas
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%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Cypress Bank, SSB is the 240th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.6% to $235.5M, loans fell 0.4% and deposits rose 4.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 57.9% of total loans, ahead of farmland and other real estate loans at 7.6%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in TX; its Pittsburg office books 45% of its branch deposits. By the capital ratios in its Q2 2026 call report, Cypress Bank, SSB meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 5 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Cypress Bank, SSB's total assets ranged from $225.6M (Q3 2023) to $235.5M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$235.5M total assets against $230.7M; $209.9M total liabilities against $206.1M.
$139.0M net loans and leases against $138.4M; $192.9M total deposits against $185.8M.
$67.9M securities against $57.6M; $15.2M cash and balances due against $22.1M.
$3.1M total interest income against $3.2M; $1.0M total interest expense against $1.2M.
$2.0M net interest income against $2.0M.
$366K total noninterest income against $127K; $2.0M total noninterest expense against $1.8M.
$12K provision for credit losses against $15K.
$338K net income against $288K.
0.57% return on assets against 0.50%; 3.72% net interest margin against 3.67%.
20.50% CET1 capital ratio against 19.59%; 11.44% tier 1 leverage ratio against 11.34%.
Inside the full Cypress Bank, SSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 515 of 3,640, for Texas Ratio; its furthest is 3,302 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.50% (Q2 2025) to 0.68% (Q4 2025) and its net interest margin ran from 3.58% (Q4 2024) to 3.78% (Q4 2025).
| 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
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 298 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Cypress Bank, SSB headquartered?
It is headquartered in Pittsburg, TX, United States.
When was Cypress Bank, SSB founded?
It was established in 1976, per the FDIC institution directory.
Is Cypress Bank, SSB FDIC-insured?
Yes. It 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.
What is Cypress Bank, SSB's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 11.41% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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