Cypress Bank & Trust: 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 Loan-to-deposit ratio: 9.46 percentage points lower than in Q1 2026, at 77.48%. Cypress Bank & Trust ranks 37th of 81 Florida banks on loan-to-deposit ratio, in the upper half at 77.48% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Cypress Bank & Trust sits 3.36 points lower, at 77.48% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $169.9M |
| Net loans and leases | $168.1M |
| Loans held for sale | $0 |
| Loans to total assets | 66.16% |
| Loan-to-deposit ratio | 77.48% |
| Net loans to equity capital | 5.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 62.88% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.43% |
| Consumer | 3.56% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 237.09% |
| Construction concentration (Tier 1 capital + allowance) | 41.78% |
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 | 6.36% |
| Interest income on loans | $2.6M |
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 | $74.8M | $116.1M | 62.96% | 13.96% | 3.49% |
| Q4 2023 | $76.6M | $123.0M | 65.67% | 8.80% | 2.57% |
| Q1 2024 | $80.0M | $163.4M | 63.22% | 8.38% | 2.00% |
| Q2 2024 | $85.1M | $144.6M | 64.57% | 8.63% | 3.57% |
| Q3 2024 | $90.5M | $147.0M | 62.95% | 8.46% | 3.72% |
| Q4 2024 | $99.9M | $140.5M | 55.13% | 9.33% | 3.94% |
| Q1 2025 | $108.3M | $160.2M | 53.72% | 8.24% | 4.49% |
| Q2 2025 | $124.1M | $158.7M | 59.76% | 10.93% | 4.64% |
| Q3 2025 | $140.3M | $158.1M | 60.44% | 10.19% | 4.18% |
| Q4 2025 | $157.6M | $173.1M | 60.41% | 9.43% | 3.57% |
| Q1 2026 | $161.1M | $185.2M | 63.34% | 7.45% | 3.26% |
| Q2 2026 | $169.9M | $219.3M | 62.88% | 8.43% | 3.56% |
Cypress Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cypress Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35506) · FFIEC NIC profile (RSSD 2873598)