Cypress Bank & Trust: 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.
Compared with Q1 2026, Net interest margin fell 0.19 percentage points in Q2 2026 to 3.64%, the biggest move on this page. Cypress Bank & Trust ranks 39th of 79 Florida banks on net interest margin, in the upper half at 3.64% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Cypress Bank & Trust sits 0.31 points lower, at 3.64% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.70% |
| Yield on loans | 6.36% |
| Yield on securities | 4.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.22% |
| Cost of interest-bearing deposits | 3.24% |
| Cost of interest-bearing liabilities | 3.23% |
| Cost of borrowings | 2.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.64% |
| Yield to cost spread | 2.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.19% | 1.88% | 3.37% | 5.71% | 3.63% |
| Q4 2023 | 5.36% | 2.16% | 3.33% | 5.88% | 3.72% |
| Q1 2024 | 5.31% | 2.38% | 3.05% | 5.87% | 3.80% |
| Q2 2024 | 5.43% | 2.47% | 3.07% | 6.00% | 4.09% |
| Q3 2024 | 5.62% | 2.73% | 3.01% | 6.20% | 4.21% |
| Q4 2024 | 5.71% | 2.67% | 3.20% | 6.31% | 4.65% |
| Q1 2025 | 5.37% | 2.44% | 3.09% | 6.03% | 4.34% |
| Q2 2025 | 5.67% | 2.43% | 3.46% | 6.33% | 4.30% |
| Q3 2025 | 5.95% | 2.37% | 3.79% | 6.46% | 4.41% |
| Q4 2025 | 6.05% | 2.25% | 4.04% | 6.44% | 4.56% |
| Q1 2026 | 5.77% | 2.15% | 3.83% | 6.29% | 4.27% |
| Q2 2026 | 5.70% | 2.22% | 3.64% | 6.36% | 4.34% |
Cypress Bank & Trust 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 & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35506) · FFIEC NIC profile (RSSD 2873598)