Cypress Bank, SSB (FDIC certificate #31905) is based in Pittsburg, Texas. Its Q2 2026 call report shows $235.5M in total assets and $192.9M in deposits and 5 offices.
Based on its Q2 2026 filing, Cypress Bank, SSB scores 59/100, which we describe as moderate. That is higher than only 17% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 307th. Its strongest component is funding & liquidity (88/100; 72% loans-to-deposits, 9% uninsured), and its lowest is loan quality (39/100; 1.84%).
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 (57 → 59), mostly because the loan quality component improved by 4 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 73 |
| Q4 2024 | 55 |
| Q1 2025 | 54 |
| Q2 2025 | 57 |
| Q3 2025 | 58 |
| Q4 2025 | 59 |
| Q1 2026 | 55 |
| Q2 2026 | 59 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.26% |
| Q3 2024 | 11.18% |
| Q4 2024 | 11.23% |
| Q1 2025 | 11.56% |
| Q2 2025 | 11.34% |
| Q3 2025 | 11.42% |
| Q4 2025 | 11.64% |
| Q1 2026 | 11.88% |
| Q2 2026 | 11.44% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.26% |
| Q3 2024 | 0.10% |
| Q4 2024 | 1.98% |
| Q1 2025 | 2.26% |
| Q2 2025 | 1.94% |
| Q3 2025 | 1.91% |
| Q4 2025 | 1.82% |
| Q1 2026 | 2.33% |
| Q2 2026 | 1.84% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.57% |
| Q3 2024 | 0.59% |
| Q4 2024 | 0.60% |
| Q1 2025 | 0.53% |
| Q2 2025 | 0.52% |
| Q3 2025 | 0.52% |
| Q4 2025 | 0.56% |
| Q1 2026 | 0.60% |
| Q2 2026 | 0.59% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $235.5M | 11.44% | 1.84% | 0.59% | 72.1% |
| Q1 2026 | 55 | $231.9M | 11.88% | 2.33% | 0.60% | 75.4% |
| Q4 2025 | 59 | $226.9M | 11.64% | 1.82% | 0.56% | 74.0% |
| Q3 2025 | 58 | $231.9M | 11.42% | 1.91% | 0.52% | 72.0% |
| Q2 2025 | 57 | $230.7M | 11.34% | 1.94% | 0.52% | 74.5% |
| Q1 2025 | 54 | $232.8M | 11.56% | 2.26% | 0.53% | 77.2% |
| Q4 2024 | 55 | $229.7M | 11.23% | 1.98% | 0.60% | 83.4% |
| Q3 2024 | 73 | $231.7M | 11.18% | 0.10% | 0.59% | 82.6% |
| Q2 2024 | 72 | $231.3M | 11.26% | 0.26% | 0.57% | 82.6% |
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 Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Spring Hill State BankBank Longview, TX | 79 out of 100, Strong | $238.5M | 16.7% | 0.94% | vs |
| The First National Bank of Sterling CityBank Sterling City, TX | 82 out of 100, Strong | $240.1M | 11.6% | 0.00% | vs |
| The First National Bank of AndersonBank Anderson, TX | 81 out of 100, Strong | $230.4M | 12.0% | 0.16% | vs |
| National Bank & TrustBank La Grange, TX | 72 out of 100, Strong | $242.0M | 10.8% | 0.17% | vs |
| Muenster State BankBank Muenster, TX | 98 out of 100, Very strong | $227.0M | 14.8% | 0.00% | vs |
| Unity National Bank of HoustonBank Houston, TX | 65 out of 100, Moderate | $224.9M | 12.0% | 0.77% | vs |
Deposit insurance
Is my money safe at Cypress Bank, SSB?
Yes. Cypress Bank, SSB is an FDIC-insured institution (FDIC certificate #31905). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.2% of deposits ($17.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.44%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.49% (benchmark: 10%).
5 locations
Branches
Cypress Bank, SSB lists 4 offices in 4 cities. Most locations:
- Commerce, TX (1)
- Lone Star, TX (1)
- Mount Pleasant, TX (1)
- Pittsburg, TX (1)
Identity & history
Profile
- Legal name
- Cypress Bank, SSB
- Former names
- Cypress Bank, FSB; Cypress Savings and Loan Association; Cypress Banc Savings Association
- Type
- SI
- FDIC certificate #
- 31905
- RSSD ID
- 729178
- Primary regulator
- FDIC
- Holding company
- Cypress Bancshares Inc
- Established
- January 1, 1976
- Headquarters
- 120 S Greer Blvd, Pittsburg, TX 75686
- Website
- www.cypressbanktx.com
- Employees
- 56
Quick answers
Cypress Bank, SSB: common questions
Is Cypress Bank, SSB FDIC insured?
Yes. Cypress Bank, SSB is an FDIC-insured institution (FDIC certificate #31905). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Cypress Bank, SSB's TellerScore?
59 out of 100 (Moderate), 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, SSB ever failed?
There is no failure record for FDIC certificate #31905 in the FDIC failed bank list.
How many branches does Cypress Bank, SSB have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Pittsburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| East Texas Professional Credit UnionCredit union Longview, TX | 90 out of 100, Very strong | $1.4B | 19.4% | 0.41% | vs |
| The American National Bank of Mount PleasantBank Mount Pleasant, TX | 88 out of 100, Very strong | $144.6M | 12.8% | 0.00% | vs |
| Austin Bank, Texas National AssociationBank Jacksonville, TX | 88 out of 100, Very strong | $3.3B | 15.1% | 0.60% | vs |
| The First National Bank of WinnsboroBank Winnsboro, TX | 86 out of 100, Very strong | $158.2M | 22.7% | 1.10% | vs |
| Community BankBank Longview, TX | 82 out of 100, Strong | $315.5M | 11.9% | 0.00% | vs |
| The City National Bank of Sulphur SpringsBank Sulphur Springs, TX | 78 out of 100, Strong | $1.4B | 9.8% | 0.15% | vs |