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 7.40
Capitalization Index 10.00
Liquidity Index 0.60
Profitability Index 3.60
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 12.25%
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 192.88M
Total Deposits 158.09M
Capital and Reserves Cypress Bank & Trust
Melbourne, FL
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Capital 26.50M
Leverage Ratio 13.64
Loan Loss Reserves to Loans 1.13%
Risk-Based Capital Ratio --
Liquidity Cypress Bank & Trust
Melbourne, FL
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Hot Money Ratio 3.88%
Liquidity Ratio 21.35%
Profitability Cypress Bank & Trust
Melbourne, FL
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5-Year Return on Average Assets --
Net Income 922.00K
Net Interest Spread 3.46%
Operating Profit to Average Assets 0.89%
Overhead Efficiency Ratio 88.32%
Return on Assets 0.67%
Return on Equity 5.55%