BlastPoint's Banking Scorecard

Cypress Bank & Trust

$100M-$1B Specialty: Commercial FL FDIC cert 35506

Melbourne, FL

5 branches across FL

2664 banks in the $100M-$1B peer group nationally 43 in FL

Cypress Bank & Trust has 3 strengths but faces 1 concern

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

+ Revenue Diversifier: Top 11.9% in tier
+ Credit Quality Leader: Top 48.0% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Efficiency Ratio 13.40% above tier average

Get updates when Cypress Bank & Trust releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$221.1M +19.3% YoY +5.8% QoQ	-$165.0M	$386.1M +0.5% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	31%
Total Loans ?	$159.3M +49.0% YoY +2.2% QoQ	-$96.4M	$255.7M +1.1% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	38%
Total Deposits ?	$185.2M +15.6% YoY +7.0% QoQ	-$142.7M	$328.0M +0.1% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	31%
Return on Assets ?	1.30% +245.6% YoY +59.2% QoQ	+0.03%	1.27% +12.9% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	56%
Net Interest Margin ?	3.95% +25.0% YoY +7.8% QoQ	+0.02%	3.93% +6.0% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	55%
Efficiency Ratio ?	78.69% -14.7% YoY -8.8% QoQ	+13.40%	65.29% -4.5% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	17%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	86.01% +28.9% YoY -4.5% QoQ	+9.37%	76.64% +0.8% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	32%
Non-Interest-Bearing Deposit Share ?	30.87% +1.4% YoY +1.6% QoQ	+8.86%	22.02% -1.0% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	84%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.62% +24.4% YoY -6.0% QoQ	-3.21%	15.83% +1.5% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	43%
Non-Interest Income / Assets ?	1.32% -7.3% YoY -75.3% QoQ	+1.04%	0.28% +9.3% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	Top 1.4% in tier

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$250B+

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 (2)

Revenue Diversifier

growth

#80 of 666 • Top 11.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 1.32%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.30%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Quality Leader

growth

#320 of 664 • Top 48.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 1.32%

Peer Median: 0.28%

#39 of 2664 Top 1.4% in $100M-$1B

428

Non-Interest-Bearing Deposit Share

funding

Value: 30.87%

Peer Median: 22.02%

#428 of 2664 Top 16.0% in $100M-$1B

Top Weaknesses (1 metrics)

2215

Efficiency Ratio

profitability

Value: 78.69%

Peer Median: 65.29%

#2215 of 2664 Bottom 16.9% in $100M-$1B