Cypress Bank, SSB: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Total interest expense edged up by 2.4%, from $1.0M to $1.0M, the largest move among the key lines here. Within Texas, Cypress Bank, SSB is 245th of 345 on net interest margin, 3.72% as of Q2 2026, below the middle of the field. Cypress Bank, SSB reported 3.72% on net interest margin for Q2 2026, 0.23 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.58% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.02% |
| Cost of interest-bearing deposits | 2.40% |
| Cost of interest-bearing liabilities | 2.46% |
| Cost of borrowings | 3.07% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.72% |
| Yield to cost spread | 3.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $916K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 5.71% | 2.11% | 3.75% |
| Q4 2023 | 5.97% | 2.33% | 3.79% |
| Q1 2024 | 6.04% | 2.47% | 3.71% |
| Q2 2024 | 6.12% | 2.60% | 3.70% |
| Q3 2024 | 6.27% | 2.73% | 3.73% |
| Q4 2024 | 6.06% | 2.68% | 3.58% |
| Q1 2025 | 5.97% | 2.50% | 3.65% |
| Q2 2025 | 5.89% | 2.40% | 3.67% |
| Q3 2025 | 5.81% | 2.31% | 3.69% |
| Q4 2025 | 5.81% | 2.21% | 3.78% |
| Q1 2026 | 5.62% | 2.02% | 3.76% |
| Q2 2026 | 5.58% | 2.02% | 3.72% |
Cypress Bank, SSB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cypress Bank, SSB, freeSource: Call Report Schedules RI and RC-K, 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)