Cypress Bank & Trust: 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 Loan-to-deposit ratio: 9.46 percentage points lower than in Q1 2026, at 77.48%. Cypress Bank & Trust ranks 29th of 79 Florida banks on return on assets, in the upper half at 1.23% (Q2 2026). At 1.23%, Cypress Bank & Trust's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.76% |
| Equity capital to assets | 11.14% |
| Tangible equity to tangible assets | 11.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.23% |
| Return on equity | 10.62% |
| Net interest margin | 3.64% |
| Efficiency ratio | 79.46% |
| Yield on earning assets | 5.70% |
| Cost of funds | 2.22% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.48% |
| Core deposits to total deposits | 98.58% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.39% |
| Securities to assets | 11.26% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.10% | 0.15% | 3.37% | 0.00% | 0.00% |
| Q4 2023 | 11.87% | 0.22% | 3.33% | 0.00% | 0.00% |
| Q1 2024 | 10.22% | 0.14% | 3.05% | 0.00% | 0.00% |
| Q2 2024 | 9.48% | 0.19% | 3.07% | 0.00% | 0.00% |
| Q3 2024 | 10.18% | 0.36% | 3.01% | 0.00% | 0.00% |
| Q4 2024 | 10.20% | 0.42% | 3.20% | 0.00% | 0.00% |
| Q1 2025 | 10.14% | 0.38% | 3.09% | 0.00% | 0.00% |
| Q2 2025 | 13.27% | 0.59% | 3.46% | 0.00% | 0.00% |
| Q3 2025 | 13.64% | 1.00% | 3.79% | 0.00% | 0.00% |
| Q4 2025 | 13.43% | 1.24% | 4.04% | 0.00% | 0.00% |
| Q1 2026 | 12.62% | 1.27% | 3.83% | 0.00% | 0.00% |
| Q2 2026 | 11.76% | 1.23% | 3.64% | 0.00% | 0.00% |
Cypress Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cypress Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35506) · FFIEC NIC profile (RSSD 2873598)