BlastPoint's Banking Scorecard
Cypress Bank, SSB
Pittsburg, TX
5 branches across TX
Cypress Bank, SSB faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 11.3% in tier
- - Efficiency Drag: Bottom 31.2% in tier
- - Liquidity Overhang: Bottom 38.8% in tier
- - Delinquency Rate 1.46% above tier average
- - ROA 0.67% below tier average
- - Net Interest Margin 0.18% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$231.9M
-0.4% YoY
+2.2% QoQ
|
-$154.2M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
33% |
| Total Loans ? |
$139.6M
-2.5% YoY
+2.4% QoQ
|
-$116.1M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
33% |
| Total Deposits ? |
$185.2M
-0.1% YoY
+0.5% QoQ
|
-$142.8M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
31% |
| Return on Assets ? |
0.60%
+13.2% YoY
+6.9% QoQ
|
-0.67% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
16% |
| Net Interest Margin ? |
3.75%
+3.4% YoY
+1.2% QoQ
|
-0.18% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
44% |
| Efficiency Ratio ? |
82.92%
-1.8% YoY
+0.6% QoQ
|
+17.64% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 12.2% in tier |
| Delinquency Rate ? |
2.35%
+3.2% YoY
+28.2% QoQ
|
+1.46% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 9.3% in tier |
| Loan-to-Deposit Ratio ? |
75.37%
-2.4% YoY
+1.8% QoQ
|
-1.27% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
19.54%
+14.0% YoY
+6.3% QoQ
|
-2.48% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
43% |
| Nonperforming Asset Ratio ? |
1.41%
+1.0% YoY
+28.4% QoQ
|
+0.78% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 12.8% in tier |
| Tier 1 Capital Ratio ? |
20.87%
+8.0% YoY
+2.1% QoQ
|
+5.04% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 11.7% in tier |
| Non-Interest Income / Assets ? |
0.15%
+64.8% YoY
-57.3% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
74% |
Get Full Access to Cypress Bank, SSB
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (3)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.