Headquartered in Melbourne, Florida, Cypress Bank & Trust is a state-chartered bank with $256.8M in total assets and $219.3M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1996.
Cypress Bank & Trust has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 7th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (62/100, 77% loans-to-deposits, 35% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (77 → 79), mostly because the earnings component improved by 31 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 69 |
| Q4 2024 | 67 |
| Q1 2025 | 68 |
| Q2 2025 | 77 |
| Q3 2025 | 78 |
| Q4 2025 | 78 |
| Q1 2026 | 79 |
| Q2 2026 | 79 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.48% |
| Q3 2024 | 10.18% |
| Q4 2024 | 10.20% |
| Q1 2025 | 10.14% |
| Q2 2025 | 13.27% |
| Q3 2025 | 13.64% |
| Q4 2025 | 13.43% |
| Q1 2026 | 12.62% |
| Q2 2026 | 11.76% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 0.23% |
| Q4 2024 | 0.28% |
| Q1 2025 | 0.38% |
| Q2 2025 | 0.49% |
| Q3 2025 | 0.67% |
| Q4 2025 | 0.82% |
| Q1 2026 | 1.30% |
| Q2 2026 | 1.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $256.8M | 11.76% | 0.00% | 1.26% | 76.6% |
| Q1 2026 | 79 | $221.1M | 12.62% | 0.00% | 1.30% | 86.0% |
| Q4 2025 | 78 | $208.9M | 13.43% | 0.00% | 0.82% | 90.1% |
| Q3 2025 | 78 | $192.9M | 13.64% | 0.00% | 0.67% | 87.8% |
| Q2 2025 | 77 | $191.7M | 13.27% | 0.00% | 0.49% | 77.2% |
| Q1 2025 | 68 | $185.3M | 10.14% | 0.00% | 0.38% | 66.7% |
| Q4 2024 | 67 | $166.0M | 10.20% | 0.00% | 0.28% | 70.3% |
| Q3 2024 | 69 | $171.8M | 10.18% | 0.00% | 0.23% | 60.8% |
| Q2 2024 | 67 | $168.5M | 9.48% | 0.00% | 0.17% | 58.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Gulf Atlantic BankBank Key West, FL | 62 out of 100, Moderate | $253.2M | 9.4% | 0.20% | vs |
| Lafayette State BankBank Mayo, FL | 74 out of 100, Strong | $252.2M | 9.9% | 0.06% | vs |
| Community Bank of the SouthBank Merritt Island, FL | 67 out of 100, Moderate | $266.5M | 9.5% | 0.00% | vs |
| First National Bank of PascoBank Dade City, FL | 64 out of 100, Moderate | $280.0M | 10.2% | 0.36% | vs |
| First Colony Bank of FloridaBank Maitland, FL | 79 out of 100, Strong | $291.1M | 9.9% | 0.17% | vs |
| Natbank, National AssociationBank Hollywood, FL | 77 out of 100, Strong | $296.5M | 29.8% | 0.00% | vs |
Deposit insurance
Is my money safe at Cypress Bank & Trust?
Yes. Cypress Bank & Trust is an FDIC-insured institution (FDIC certificate #35506). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.9% of deposits ($76.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
Cypress Bank & Trust lists 5 offices in 5 cities. Most locations:
- Jacksonville, FL (1)
- Maitland, FL (1)
- Melbourne, FL (1)
- Palm Beach, FL (1)
- Vero Beach, FL (1)
Identity & history
Profile
- Legal name
- Cypress Bank & Trust
- Former names
- Cypress Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 35506
- RSSD ID
- 2873598
- Primary regulator
- FDIC
- Holding company
- Cypress Capital Group Inc
- Established
- October 23, 1996
- Headquarters
- 6115 N Wickham Rd, Melbourne, FL 32940
- Website
- www.cypressbanktrust.com
- Employees
- 55
Quick answers
Cypress Bank & Trust: common questions
Is Cypress Bank & Trust FDIC insured?
Yes. Cypress Bank & Trust is an FDIC-insured institution (FDIC certificate #35506). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Cypress Bank & Trust's TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Cypress Bank & Trust ever failed?
There is no failure record for FDIC certificate #35506 in the FDIC failed bank list.
How many branches does Cypress Bank & Trust have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Melbourne
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community Credit Union of FloridaCredit union Rockledge, FL | 70 out of 100, Strong | $1.4B | 11.3% | 0.22% | vs |
| SouthState Bank, National AssociationBank Winter Haven, FL | 68 out of 100, Moderate | $68.8B | 10.3% | 0.54% | vs |
| Sunrise BankBank Orlando, FL | 68 out of 100, Moderate | $622.9M | 9.5% | 0.10% | vs |
| United Community BankBank Greenville, SC | 67 out of 100, Moderate | $29.0B | 9.5% | 0.51% | vs |
| Community Bank of the SouthBank Merritt Island, FL | 67 out of 100, Moderate | $266.5M | 9.5% | 0.00% | vs |
| Space Coast Credit UnionCredit union Melbourne, FL | 66 out of 100, Moderate | $9.2B | 11.4% | 0.80% | vs |