What is Cypress Bank & Trust's financial health grade?

Cypress Bank & Trust has a TFS Financial Health Grade of D (score: 66.2/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Cypress Bank & Trust have?

Cypress Bank & Trust has 5 branch locations across the United States.

Is Cypress Bank & Trust FDIC insured?

Yes, Cypress Bank & Trust is FDIC insured (Certificate #35506).

What are the total assets of Cypress Bank & Trust?

Cypress Bank & Trust has total assets of $208.9M as reported in its most recent FDIC filing.

Cypress Bank & Trust

BankMelbourne, Florida

www.cypressbanktrust.com

Total Assets

$208.9M

Total Deposits

$173.1M

Branches

Established

1996

TFS Health Grade

66.2 / 100

Below average financial health

How we grade

Cypress Bank & Trust is a bank headquartered in Melbourne, Florida, established in 1996. With $208.9M in total assets and 4 branch locations, it has a TFS Financial Health Grade of D (66.2/100).

Capital & Safety

Tier 1 Capital Ratio

13.43%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.00%

Profitability

Return on Assets (ROA)

0.82%(1%)

Return on Equity (ROE)

6.65%(10%)

Net Interest Margin

3.67%

Efficiency Ratio

86.24%(60%)

Lending & Liquidity

Total Loans

$157.6M

Loan-to-Deposit Ratio

90.08%

Net Charge-Off Ratio

0.00%

Growth

Asset Growth (YoY)

+25.85%

Deposit Growth (YoY)

+23.19%

Net Income

$1.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Cypress Bank & TrustHQ	6115 N Wickham Rd	Melbourne	FL	11
Cypress Bank & Trust	1910 San Marco Blvd	Jacksonville	FL	11
Cypress Bank & Trust	610 S Maitland Ave	Maitland	FL	11
Cypress Bank & Trust	251 Royal Palm Way	Palm Beach	FL	11
Cypress Bank & Trust	4625 N. Highway A1a	Vero Beach	FL	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.