Cypress Bank SSB (FDIC #31905): Bank Stress & Real-Estate Credit Exposure
Cypress Bank SSB (FDIC Cert #31905): bank stress 76/100, severe, STABLE over 7 days; parent CYPRESS BANCSHARES INC.
Cypress Bank SSB (#31905) lends in 4 counties across 1 state; Cypress Bank SSB (#31905) reaches 29 ZIP codes: Texas 4 counties, 29 ZIPs.
Cypress Bank SSB (#31905) largest markets: Hunt County, TX (18 branches, 18 ZIPs) (#31905), Morris County, TX (7 branches, 7 ZIPs) (#31905), Titus County, TX (12 branches, 6 ZIPs) (#31905), Camp County, TX (2 branches, 2 ZIPs) (#31905).
Cypress Bank SSB (#31905) reports $235.5 million in total assets; Cypress Bank SSB (#31905) equity $25.7 million (10.9% of Cypress Bank SSB (#31905) assets); Cypress Bank SSB (#31905) domestic deposits $192.9 million; Cypress Bank SSB (#31905) net income $684,000; Cypress Bank SSB (#31905) return on assets 0.59%; Cypress Bank SSB (#31905) return on equity 5.30%; Cypress Bank SSB (#31905) net interest income $4.0 million; Cypress Bank SSB (#31905) call report June 30, 2026.
Cypress Bank SSB (#31905) noncurrent real-estate loans 0.03% of its book; Cypress Bank SSB (#31905) net charge-offs on real estate 2.14%; Cypress Bank SSB (#31905) residential charge-offs 0.15%.
Cypress Bank SSB (#31905) net interest margin 3.75% against an eight-quarter Cypress Bank SSB (#31905) average of 3.68% (Cypress Bank SSB (#31905) compression -0.07 points); Cypress Bank SSB (#31905) real-estate loans 2.7% of equity; Cypress Bank SSB (#31905) non-residential real estate 15.0% of equity; Cypress Bank SSB (#31905) rate-exposure score 40/100, Cypress Bank SSB (#31905) fixed-rate trap 40/100; Cypress Bank SSB (#31905) risk type credit driven; Cypress Bank SSB (#31905) rate regime rates elevated, Cypress Bank SSB (#31905) snapshot October 20, 2026.
Cypress Bank SSB (#31905) stress score moved from 72.5 on June 22, 2026 to 75.5 on October 20, 2026; Cypress Bank SSB (#31905) ranged 72.5 to 75.5 over 117 snapshots.
Cypress Bank SSB (#31905) alerts: 4 counties; top Cypress Bank SSB (#31905) alert scores: Commerce County, TX 22 (low); Lone Star County, TX 22 (low); Mount Pleasant County, TX 22 (low); Pittsburg County, TX 22 (low).