E
Cypress Bank & Trust
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Cypress Bank & Trust
Melbourne, FL
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Rating E
Asset Quality Index 8.50
Capitalization Index 10.00
Liquidity Index 1.50
Profitability Index 2.80
Stability Index 0.00
Company Info Cypress Bank & Trust
Melbourne, FL
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FDIC Number 35506
Phone Number (321) 306-4100
Website www.cypressbanktrust.com
Asset Quality Cypress Bank & Trust
Melbourne, FL
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1-Year Asset Growth 13.80%
5-Year Asset Growth --
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Cypress Bank & Trust
Melbourne, FL
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Total Assets 191.71M
Total Deposits 158.71M
Capital and Reserves Cypress Bank & Trust
Melbourne, FL
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Capital 26.01M
Leverage Ratio 13.27
Loan Loss Reserves to Loans 1.24%
Risk-Based Capital Ratio --
Liquidity Cypress Bank & Trust
Melbourne, FL
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Hot Money Ratio 4.03%
Liquidity Ratio 31.93%
Profitability Cypress Bank & Trust
Melbourne, FL
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5-Year Return on Average Assets --
Net Income 446.00K
Net Interest Spread 3.28%
Operating Profit to Average Assets 0.66%
Overhead Efficiency Ratio 90.23%
Return on Assets 0.49%
Return on Equity 4.43%