Cypress Bank & Trust: how it compares with its peers
Against 28 FL banks with half to twice its assets, Cypress Bank & Trust's strongest measure in Q2 2026 is return on assets (1.26% vs. a 0.83% peer median). Its weakest relative measure is assets per employee ($4.7M vs. $8.0M).
| Measure | Cypress Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.26% | 0.83% | Top third Ahead of 86% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.82% | 3.82% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 79.10% | 70.37% | Bottom third Ahead of 32% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.7M | $8.0M | Bottom third Ahead of 18% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.65% | 75.19% | Context |
What it means for lending operations
Its efficiency ratio of 79.10% is above the 70.37% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Gulf Atlantic Bank Key West, FL · $253M
- Lafayette State Bank Mayo, FL · $252M
- Community Bank of the South Merritt Island, FL · $266M
- First National Bank of Pasco Dade City, FL · $280M
- First Colony Bank of Florida Maitland, FL · $291M
- Natbank, National Association Hollywood, FL · $297M
Questions about Cypress Bank & Trust
How big is Cypress Bank & Trust?
Cypress Bank & Trust, established in 1996, is headquartered in Melbourne, FL. It reported $257M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Cypress Bank & Trust's return on assets?
1.26% annualized in Q2 2026, against a 0.83% median for 28 FL banks with half to twice its assets, ahead of 86% of them.
What is Cypress Bank & Trust's efficiency ratio?
79.10% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 70.37%, and lower is better.
Is Cypress Bank & Trust growing its loans?
Net loans grew 37.1% over the year to Q2 2026, while deposits grew 38.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are FL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Florida bank ranked.