Cypress Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cypress Bank & Trust of Melbourne, FL 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 | 1.23% | 1.35% | -0.12% | 48th below |
| ROAE | 10.62% | 12.05% | -1.43% | 40th below |
| Net Interest Margin | 3.64% | 3.90% | -0.26% | 34th below |
| Efficiency Ratio | 79.46% | 63.14% | +16.32% | 14th bottom |
| PPNR / Avg Assets | 1.83% | 1.64% | +0.19% | 64th above |
| Yield on Earning Assets | 5.70% | 5.65% | +0.05% | 55th above |
| Cost of Funds | 2.22% | 1.85% | +0.37% | 25th below |
| Net Interest Spread | 2.47% | 3.35% | -0.88% | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.08% | 1.28% | -0.20% | 36th below |
| Texas Ratio | 0.00% | 7.15% | -7.15% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.76% | 12.46% | -0.70% | 62nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.14% | 11.67% | -0.53% | 62nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.11% | 11.40% | -0.29% | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.48% | 78.64% | -1.16% | 56th above |
| Core Deposit Ratio | 98.58% | 87.09% | +11.49% | 97th top |
| Wholesale Funding Ratio | 1.20% | 5.12% | -3.92% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 33.97% | 6.46% | +27.51% | 98th top |
| Loan Growth (Y/Y) | 36.93% | 7.63% | +29.30% | 98th top |
| Deposit Growth (Y/Y) | 38.18% | 6.01% | +32.17% | 98th top |
See Cypress Bank & Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cypress Bank & Trust, 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 & Trust profile, how to read a UBPR, or how this data updates.