BlastPoint's Banking Scorecard

Cypress Bank & Trust

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

Melbourne, FL

5 branches across FL

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 44 in FL.
Deposits +38.2% year over year ($219.3M on the books).
Delinquency rate 0.00%.
Return on assets 1.26%.
Efficiency ratio 79.10% vs a 64.48% peer average.
Loan-to-deposit ratio 76.65% 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 44 in FL

View $100M-$1B leaderboard (FL) →

Cypress Bank & Trust has 3 strengths but faces 3 concerns

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 11.8% in tier
+ Credit Quality Leader: Top 45.4% in tier
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- ROA 0.06% below tier average
- Net Interest Margin 0.17% below tier average
- Efficiency Ratio 14.62% above tier average

Get updates when Cypress Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$256.8M +34.0% YoY +16.2% QoQ	-$129.7M	$386.6M +1.2% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	38%
Total Loans ?	$168.1M +37.1% YoY +5.5% QoQ	-$90.3M	$258.3M +1.7% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	40%
Total Deposits ?	$219.3M +38.2% YoY +18.4% QoQ	-$107.4M	$326.7M +0.7% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	39%
Return on Assets ?	1.26% +156.5% YoY -2.7% QoQ	-0.06%	1.32% +10.8% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	51%
Net Interest Margin ?	3.82% +12.8% YoY -3.5% QoQ	-0.17%	3.99% +5.0% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	43%
Efficiency Ratio ?	79.10% -12.1% YoY +0.5% QoQ	+14.62%	64.48% -3.2% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	Bottom 14.4% in tier
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	76.65% -0.7% YoY -10.9% QoQ	-1.31%	77.95% +1.0% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	56%
Non-Interest-Bearing Deposit Share ?	27.53% -13.1% YoY -10.8% QoQ	+5.50%	22.03% -0.6% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	75%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.76% -11.4% YoY -6.8% QoQ	-4.15%	15.91% +1.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	33%
Non-Interest Income / Assets ?	2.44% -14.5% YoY +85.4% QoQ	+1.88%	0.57% +7.6% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	Top 1.4% in tier

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 (FL)	National Avg	Tier Percentile
Noninterest-Bearing	27.5% -4.1pp YoY -3.3pp QoQ	+5.4pp	22.1%	27.7%	22.2%	75%
Brokered Deposits	n/a	n/a	7.9%	8.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	8.5% -2.5pp YoY +1.0pp QoQ	-3.0pp	11.6%	12.9%	12.5%	44%
CRE	n/a	n/a	39.5%	50.6%	41.4%	n/a
1-4 Family	17.8% +1.7pp YoY +0.4pp QoQ	-14.8pp	32.6%	30.7%	31.3%	25%
Consumer	3.6% -1.1pp YoY +0.3pp QoQ	-0.5pp	4.1%	3.7%	5.0%	67%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	19.8%	19.7%	n/a
Leverage Ratio	11.8% -1.5pp YoY -0.9pp QoQ	-0.4pp	12.2%	13.9%	12.6%	62%
Total Capital Ratio	n/a	n/a	19.9%	21.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	55 -1 (-1.8%) YoY 0 QoQ	-4	58	295	482	58%
Assets per Employee ($)	$4.7M +36.4% YoY +16.2% QoQ	-$2.8M	$7.5M	$10.3M	$8.8M	10%
Branch Count	5 +1 (+25.0%) YoY 0 QoQ	0	4	13	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	0.7%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	16.62x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.2%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	10.4% +6.1pp YoY +0.2pp QoQ	-1.8pp	12.2%	9.3%	11.6%	39%
Cost of Funds (YTD)	2.0% -0.3pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.8%	1.7%	73%
Net Income ($, YTD)	$1.4M +224.4% YoY — QoQ	-$1.1M	$2.6M	$25.2M	$40.4M	40%

Get Full Access to Cypress Bank & Trust

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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 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

#79 of 661 • Top 11.8% 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: 2.44%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 1.26%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Credit Quality Leader

growth

#300 of 659 • Top 45.4% 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: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 2.44%

Peer Median: 0.57%

#38 of 2643 Top 1.4% in $100M-$1B

Top Weaknesses (1 metrics)

2263

Efficiency Ratio

profitability

Value: 79.10%

Peer Median: 64.48%

#2263 of 2643 Bottom 14.4% in $100M-$1B