BlastPoint's Banking Scorecard
Cypress Bank & Trust
Micro
Specialty: Commercial
FL
FDIC cert 35506
Designations: ✓ Community bank
Melbourne, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
Cypress Bank & Trust shows strong momentum with 3 strengths and 25.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 4.79% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$208.9M
+25.8% YoY
+8.3% QoQ
|
-$8.6M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$155.9M
+57.9% YoY
+12.4% QoQ
|
+$16.8M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$173.1M
+23.2% YoY
+9.5% QoQ
|
-$10.6M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
0.82%
+193.3% YoY
+22.0% QoQ
|
-0.27% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
3.67%
+16.9% YoY
+3.5% QoQ
|
-0.19% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
86.24%
-7.3% YoY
-2.1% QoQ
|
+18.51% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
90.08%
+28.2% YoY
+2.6% QoQ
|
+15.56% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
30.40%
+14.8% YoY
-6.2% QoQ
|
+8.01% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
5.35%
-12.3% YoY
+24.5% QoQ
|
+4.79% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
5.35%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Non-Interest Income / Assets
Current: 5.35% · Tier avg: 0.56%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.40% · Tier avg: 22.39%
62
62th pctile
Total Loans
Current: $155.9M · Tier avg: $139.2M
54
54th pctile
Total Assets
Current: $208.9M · Tier avg: $217.5M
52
52th pctile
Total Deposits
Current: $173.1M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.85%
34
34th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.08%
23
23th pctile
Loan-to-Deposit Ratio
Current: 90.08% · Tier avg: 74.53%
12
12th pctile
Efficiency Ratio
Current: 86.24% · Tier avg: 67.73%
Top Weaknesses
12
12th pctile
Efficiency Ratio
Current: 86.24% · Tier avg: 67.73%
23
23th pctile
Loan-to-Deposit Ratio
Current: 90.08% · Tier avg: 74.53%
34
34th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.08%
43
43th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Total Deposits
Current: $173.1M · Tier avg: $183.7M
54
54th pctile
Total Assets
Current: $208.9M · Tier avg: $217.5M
62
62th pctile
Total Loans
Current: $155.9M · Tier avg: $139.2M
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.40% · Tier avg: 22.39%
99
99th pctile
Non-Interest Income / Assets
Current: 5.35% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%