Cypress Bank, SSB: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 10.53 percentage points higher than in Q1 2026, at 48.99%. Cypress Bank, SSB ranks 307th of 345 Texas banks on return on assets, in the lower half at 0.57% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Cypress Bank, SSB reported 0.57% on return on assets in Q2 2026, 0.68 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.50% |
| Tier 1 risk-based capital ratio | 20.50% |
| Total risk-based capital ratio | 21.49% |
| Tier 1 leverage ratio | 11.44% |
| Equity capital to assets | 10.90% |
| Tangible equity to tangible assets | 10.82% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.84% |
| Non-performing assets ratio | 1.30% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 11.44% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of non-performing loans | 48.99% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.57% |
| Return on equity | 5.24% |
| Net interest margin | 3.72% |
| Efficiency ratio | 81.89% |
| Yield on earning assets | 5.58% |
| Cost of funds | 2.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.74% |
| Core deposits to total deposits | 85.10% |
| Brokered deposits to total deposits | 0.25% |
| Deposits to assets | 81.88% |
| Securities to assets | 28.81% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.71% | 17.71% | 18.78% | 11.06% | 0.55% |
| Q4 2023 | 17.68% | 17.68% | 18.74% | 11.11% | 0.75% |
| Q1 2024 | 18.38% | 18.38% | 19.48% | 11.30% | 0.59% |
| Q2 2024 | 17.89% | 17.89% | 18.98% | 11.26% | 0.58% |
| Q3 2024 | 18.18% | 18.18% | 19.19% | 11.18% | 0.64% |
| Q4 2024 | 18.44% | 18.44% | 19.45% | 11.23% | 0.61% |
| Q1 2025 | 19.32% | 19.32% | 20.32% | 11.56% | 0.54% |
| Q2 2025 | 19.59% | 19.59% | 20.62% | 11.34% | 0.50% |
| Q3 2025 | 20.09% | 20.09% | 21.10% | 11.42% | 0.54% |
| Q4 2025 | 20.45% | 20.45% | 21.45% | 11.64% | 0.68% |
| Q1 2026 | 20.87% | 20.87% | 21.89% | 11.88% | 0.60% |
| Q2 2026 | 20.50% | 20.50% | 21.49% | 11.44% | 0.57% |
Cypress Bank, SSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cypress Bank, SSB, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)