CYPRESS BANK & TRUST

MELBOURNE, FL · Supervised by FDIC

Est. 1996FDIC #35,506RSSD: FDIC-35506

Part ofCYPRESS CAPITAL GROUP INC→ View all charters

Satisfactory

Current rating · Exam: January 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.30%

Institution Profile

FDIC BankFind

Website

www.cypressbanktrust.com

Address

6115 N Wickham Rd, MELBOURNE, FL

County

Brevard County

Established

October 23, 1996

Total Assets

$221M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2024

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Jan 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$221M

Total Deposits

$185M

Net Loans

$159M

Net Income

$698K

ROA

1.30%

ROE

10.16%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$159M

1-Year Change

5-year net change: +4 branches

This is the only examination on record for this bank.

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