BlastPoint's Banking Scorecard

Cypress Bank, SSB

$100M-$1B Specialty: Other TX FDIC cert 31905

Pittsburg, TX

5 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +3.8% year over year ($192.9M on the books).
Delinquency rate 1.85%.
Return on assets 0.59%.
Efficiency ratio 83.14% vs a 64.48% peer average.
Loan-to-deposit ratio 72.09% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

Cypress Bank, SSB faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 35.5% in tier
- Liquidity Overhang: Bottom 46.9% in tier
- ROA 0.73% below tier average
- Net Interest Margin 0.24% below tier average
- Delinquency Rate 0.93% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$235.5M +2.1% YoY +1.6% QoQ	-$151.0M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	34%
Total Loans ?	$139.0M +0.5% YoY -0.4% QoQ	-$119.3M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	31%
Total Deposits ?	$192.9M +3.8% YoY +4.2% QoQ	-$133.9M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	32%
Return on Assets ?	0.59% +14.6% YoY -2.0% QoQ	-0.73%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Bottom 14.8% in tier
Net Interest Margin ?	3.75% +2.9% YoY +0.0% QoQ	-0.24%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	39%
Efficiency Ratio ?	83.14% -1.3% YoY +0.3% QoQ	+18.66%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Bottom 10.7% in tier
Delinquency Rate ?	1.85% -5.4% YoY -21.1% QoQ	+0.93%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 14.2% in tier
Loan-to-Deposit Ratio ?	72.09% -3.2% YoY -4.3% QoQ	-5.86%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	66%
Non-Interest-Bearing Deposit Share ?	18.78% +1.4% YoY -3.9% QoQ	-3.25%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	39%
Nonperforming Asset Ratio ?	1.30% +10.3% YoY -8.4% QoQ	+0.63%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 14.9% in tier
Tier 1 Capital Ratio ?	20.50% +4.6% YoY -1.8% QoQ	+4.59%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 12.7% in tier
Non-Interest Income / Assets ?	0.30% +106.3% YoY +102.0% QoQ	-0.26%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	73%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	18.8% +0.3pp YoY -0.8pp QoQ	-3.4pp	22.1%	29.2%	22.2%	39%
Brokered Deposits	0.2% -0.2pp YoY 0.0pp QoQ	-7.6pp	7.9%	8.0%	8.5%	8%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	5.9% -0.3pp YoY +0.2pp QoQ	-5.7pp	11.6%	14.8%	12.5%	25%
CRE	20.2% -1.6pp YoY -0.7pp QoQ	-19.4pp	39.5%	48.4%	41.4%	18%
1-4 Family	58.4% +2.1pp YoY +0.6pp QoQ	+25.8pp	32.6%	25.8%	31.3%	88%
Consumer	7.4% -1.5pp YoY -0.4pp QoQ	+3.3pp	4.1%	4.7%	5.0%	87%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	20.5% +0.9pp YoY -0.4pp QoQ	+1.7pp	18.8%	22.7%	19.7%	79%
Leverage Ratio	11.4% +0.1pp YoY -0.4pp QoQ	-0.7pp	12.2%	12.6%	12.6%	57%
Total Capital Ratio	21.5% +0.9pp YoY -0.4pp QoQ	+1.6pp	19.9%	23.8%	20.8%	79%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	56 -1 (-1.8%) YoY 0 QoQ	-3	58	186	482	60%
Assets per Employee ($)	$4.2M +3.9% YoY +1.6% QoQ	-$3.3M	$7.5M	$10.1M	$8.8M	6%
Branch Count	5 0 YoY 0 QoQ	0	4	12	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	1.9% -0.1pp YoY -0.5pp QoQ	+0.9pp	0.9%	1.0%	1.0%	86%
Allowance Coverage	0.49x -0.1% YoY +26.9% QoQ	-23.66x	24.15x	18.82x	20.23x	10%
Net Charge-off Rate (YTD)	0.1% -0.1pp YoY +0.1pp QoQ	-0.1pp	0.1%	0.1%	0.2%	69%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	5.3% +0.5pp YoY 0.0pp QoQ	-6.9pp	12.2%	13.2%	11.6%	14%
Cost of Funds (YTD)	1.9% -0.4pp YoY 0.0pp QoQ	+0.2pp	1.7%	1.6%	1.7%	65%
Net Income ($, YTD)	$684,000 +14.8% YoY — QoQ	-$1.9M	$2.6M	$15.9M	$40.4M	16%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Efficiency Drag

risk

#129 of 361 • Bottom 35.5% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 83.14%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ

Liquidity Overhang

risk

#349 of 742 • Bottom 46.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 20.50%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 72.09%

(Tier: 77.95%, National: 79.03%)

better than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

337

Tier 1 Capital Ratio

capital

Value: 20.50%

Peer Median: 15.91%

#337 of 2643 Top 12.7% in $100M-$1B

Top Weaknesses (4 metrics)

2361

Efficiency Ratio

profitability

Value: 83.14%

Peer Median: 64.48%

#2361 of 2643 Bottom 10.7% in $100M-$1B

2261

Delinquency Rate

credit_quality

Value: 1.85%

Peer Median: 0.92%

#2261 of 2633 Bottom 14.2% in $100M-$1B

2253

Return on Assets

profitability

Value: 0.59%

Peer Median: 1.32%

#2253 of 2643 Bottom 14.8% in $100M-$1B

2249

Nonperforming Asset Ratio

credit_quality

Value: 1.30%

Peer Median: 0.67%

#2249 of 2643 Bottom 14.9% in $100M-$1B