Cypress Bank, SSB: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.73 percentage points lower than in Q1 2026, at 77.46%. Cypress Bank, SSB ranks 175th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 72.74% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Cypress Bank, SSB sits 8.09 points lower, at 72.74% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $140.3M |
| Net loans and leases | $139.0M |
| Loans held for sale | $0 |
| Loans to total assets | 59.57% |
| Loan-to-deposit ratio | 72.74% |
| Net loans to equity capital | 5.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.93% |
| Multifamily (5+ residential) | 1.67% |
| Commercial and industrial | 5.80% |
| Consumer | 7.32% |
| Credit cards | 0.00% |
| Farm | 7.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 77.46% |
| Construction concentration (Tier 1 capital + allowance) | 36.88% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $2.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $150.2M | $179.2M | 12.58% | 7.66% | 10.85% |
| Q4 2023 | $148.9M | $187.9M | 11.00% | 7.49% | 10.67% |
| Q1 2024 | $151.4M | $182.2M | 11.87% | 7.48% | 10.56% |
| Q2 2024 | $151.8M | $181.9M | 11.89% | 6.49% | 10.22% |
| Q3 2024 | $152.1M | $182.4M | 12.26% | 5.75% | 9.72% |
| Q4 2024 | $152.5M | $181.2M | 12.18% | 5.29% | 9.46% |
| Q1 2025 | $144.5M | $185.3M | 11.88% | 5.20% | 9.04% |
| Q2 2025 | $139.7M | $185.8M | 12.02% | 6.11% | 8.77% |
| Q3 2025 | $136.9M | $188.5M | 11.97% | 5.75% | 8.39% |
| Q4 2025 | $137.6M | $184.2M | 11.73% | 5.89% | 8.19% |
| Q1 2026 | $140.8M | $185.2M | 10.84% | 5.59% | 7.68% |
| Q2 2026 | $140.3M | $192.9M | 10.93% | 5.80% | 7.32% |
Cypress Bank, SSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cypress Bank, SSB, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Cypress Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31905) · FFIEC NIC profile (RSSD 729178)