Cypress Bank & Trust
Melbourne, FL
IDRSSD: 2873598
Total Assets
$192.88M
Latest filing
Total Deposits
$158.09M
Latest filing
Net Interest Margin
3.80%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Cypress Bank & Trust
6115 N Wickham Rd
Melbourne, FL 32940
Full Service - Brick and Mortar
Updated 11/14/2025Established 10/23/1996FDIC Certificate 80591
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Cypress Bank & Trust (Main) | 6115 N Wickham Rd | Melbourne, FL |
| JACKSONVILLE BRANCH | 1910 San Marco Blvd | Jacksonville, FL |
| PALM BEACH BRANCH | 251 Royal Palm Way | Palm Beach, FL |
| VERO BEACH BRANCH | 4625 N. Highway A1a | Vero Beach, FL |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/23/1996 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 32940 |
| State and County Number | 12009 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Palm Bay-Melbourne-Titusville, FL |
Operational Info
| Number of Employees | 56 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/16/2021 |
| Primary Insurance Agency | DIF |
| Website | www.cypressbanktrust.com |
| Data Updated | 11/14/2025 |
| CERT | 35506 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $192.88M |
| Total Deposits | $158.09M |
| Total Liabilities | $166.38M |
| Total Equity Capital | $26.50M |
| Net Income | $476.00k |
| Net Loans and Leases | $138.74M |
| Assets Per Employee ($Millions) | $3.51M |
| Bank Premises and Fixed Assets | $5.87M |
| Cash and Balances due from Depository Institutions | $14.23M |
| Deposits Held in Domestic Offices | $158.09M |
Key Performance Ratios
| Return on Assets (ROA) | 0.99% |
| Return on Equity (ROE) | 7.25% |
| Net Interest Margin | 3.8% |
| Efficiency Ratio | 84.55% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.738% |
| Earning Assets to total Assets | 92.06% |
Income and Expense
| Total Interest Income | $2.63M |
| Total Noninterest Income | $2.81M |
| Total Interest Expense | $955.00k |
| Total Noninterest Expense | $3.80M |
| Net Interest Income | $1.68M |
| Pre-tax Net Operating Income | $633.00k |
| Provision for Credit Losses | $50.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $755.00k |
| Federal Funds Purchased and Repurchased Agreement | $2.85M |
| All Other Liabilities | $5.44M |
| Total Liabilities and Capital | $192.88M |
Securities
| Securities | $26.02M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $25.52M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Cypress Bank & Trust?
$192.88M as of the latest filing.
How much are Cypress Bank & Trust's total deposits?
$158.09M in total deposits.
Where is Cypress Bank & Trust located?
Melbourne, FL.
What is the Net Interest Margin?
3.80%.
How many domestic offices does it operate?
4.
When was it established?
10/23/1996.
What is the Return on Assets (ROA)?
0.99%.
How much are total loans and leases?
$138.74M (latest filing).
What is the total interest income (latest filing)?
$2.63M.