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Cypress Bank & Trust
Melbourne, FL · FDIC Certificate #35506 · Chartered 10/2
Total assets
$256.84M
Total deposits
$219.31M
Total equity
$28.60M
Net loans
$168.09M
Branches (offices)
5
Net income (YTD)
$1.45M
Rank: #2,675 of 4,213 U.S. banks by assets · #63 of 81 in Florida. Assets changed 34.0% and deposits 38.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.26% |
| Return on equity | 10.39% |
| Net interest margin (YTD) | 3.82% |
| Equity to assets | 11.14% |
| Tier 1 leverage ratio | 11.76% |
| Uninsured deposits (share of deposits) | 34.9% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 76.6% |
| Real estate loans (share of loans) | 89.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $149.54M | 89.0% | |
| Commercial & industrial | $14.32M | 8.5% | |
| Consumer / individual | $6.06M | 3.6% | |
| Construction & development | $12.72M | 7.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $112.44M | $95.49M | -$1.25M | $16.16M |
| Jun 2023 | $142.60M | $120.01M | $131.00K | $17.29M |
| Jun 2024 | $168.47M | $144.56M | $141.00K | $17.66M |
| Jun 2025 | $191.71M | $158.71M | $446.00K | $26.01M |
| Jun 2026 | $256.84M | $219.31M | $1.45M | $28.60M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $219.31M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $219.31M.
Similar-sized banks
Lee Bank And Trust Company ($257.34M) · Hibernia Bank ($256.64M)
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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