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Cypress Bank, SSB
Pittsburg, TX · FDIC Certificate #31905 · Chartered 01/0
Total assets
$235.54M
Total deposits
$192.87M
Total equity
$25.67M
Net loans
$139.04M
Branches (offices)
5
Net income (YTD)
$684.00K
Rank: #2,783 of 4,213 U.S. banks by assets · #240 of 346 in Texas. Assets changed 2.1% and deposits 3.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.59% |
| Return on equity | 5.30% |
| Net interest margin (YTD) | 3.75% |
| Equity to assets | 10.90% |
| Tier 1 leverage ratio | 11.44% |
| Uninsured deposits (share of deposits) | 9.2% |
| Noncurrent loans (share of loans) | 1.84% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 72.1% |
| Real estate loans (share of loans) | 86.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $119.87M | 86.2% | |
| Commercial & industrial | $8.14M | 5.9% | |
| Consumer / individual | $10.27M | 7.4% | |
| Construction & development | $10.38M | 7.5% | |
| Agricultural | $1.32M | 1.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $217.30M | $176.26M | $725.00K | $22.12M |
| Jun 2023 | $224.47M | $177.50M | $723.00K | $23.00M |
| Jun 2024 | $231.30M | $181.88M | $662.00K | $24.14M |
| Jun 2025 | $230.71M | $185.85M | $596.00K | $24.64M |
| Jun 2026 | $235.54M | $192.87M | $684.00K | $25.67M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $192.87M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $192.87M.
Similar-sized banks
Williamstown Bank, Inc. ($236.69M) · Loyal Trust Bank ($235.33M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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