Cypress Bank, SSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cypress Bank, SSB of Pittsburg, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.57% | 1.34% | -0.77% | 15th bottom |
| ROAE | 5.24% | 13.32% | -8.08% | 15th bottom |
| Net Interest Margin | 3.72% | 3.93% | -0.21% | 38th below |
| Efficiency Ratio | 81.89% | 61.13% | +20.76% | 12th bottom |
| PPNR / Avg Assets | 0.68% | 1.68% | -1.00% | 12th bottom |
| Yield on Earning Assets | 5.58% | 5.67% | -0.09% | 49th below |
| Cost of Funds | 2.02% | 1.88% | +0.14% | 36th below |
| Net Interest Spread | 3.12% | 3.32% | -0.20% | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.84% | 0.94% | +0.90% | 14th bottom |
| NPA / Total Assets | 1.30% | 0.70% | +0.60% | 14th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.16% | -0.05% | 18th bottom |
| ACL / Total Loans | 0.90% | 1.28% | -0.38% | 17th bottom |
| ACL / NPLs (Coverage) | 48.99% | 1539.04% | -1490.05% | 10th bottom |
| Texas Ratio | 11.44% | 7.33% | +4.11% | 19th bottom |
| Provision / NCO | 97.44% | 1395.94% | -1298.50% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.50% | 19.50% | +1.00% | 79th top |
| Tier 1 Ratio | 20.50% | 19.54% | +0.96% | 79th top |
| Total Capital Ratio | 21.49% | 20.62% | +0.87% | 79th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.44% | 12.14% | -0.70% | 57th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.90% | 11.37% | -0.47% | 58th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.82% | 11.09% | -0.27% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.74% | 80.64% | -7.90% | 66th above |
| Core Deposit Ratio | 85.10% | 86.86% | -1.76% | 30th below |
| Wholesale Funding Ratio | 5.82% | 5.03% | +0.79% | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.09% | 6.85% | -4.76% | 33rd below |
| Loan Growth (Y/Y) | 0.40% | 7.90% | -7.50% | 24th bottom |
| Deposit Growth (Y/Y) | 3.78% | 6.29% | -2.51% | 48th below |
See Cypress Bank, SSB's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cypress Bank, SSB, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Cypress Bank, SSB profile, how to read a UBPR, or how this data updates.