--- title: Cypress Bank & Trust url: https://lender.report/lender/cypress-bank-and-trust-fl/ as_of: 2026-06-30 data_version: 2026-11-12.1 license: https://lender.report/license/ is_paid: false label: Unverified listing listing_state: unverified status: operating ids: {fdic: 35506, rssd: 2873598, ncua: null, lei: 98450043F5A47875CB42} --- # Cypress Bank & Trust > Unverified listing. Built from public records. The lender has not reviewed the page. Every lender starts this way, and it says nothing about the lender itself. Claiming is free. **Cite this:** Source: The Lender Report, Cypress Bank & Trust, https://lender.report/lender/cypress-bank-and-trust-fl/, data as of June 30, 2026. Bank, Melbourne, FL. Regulator: FDIC. Identifiers: FDIC certificate 35506; RSSD 2873598; LEI 98450043F5A47875CB42. ## Facts, each with its source and date - Reported $256.8M in total assets as of June 30, 2026 (FDIC call report). - Held $133.9M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report). - Held $59.5M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 73.3% from a year earlier (FDIC call report). - Held $47.4M of owner-occupied commercial real estate loans as of June 30, 2026, up 18.9% from a year earlier (FDIC call report). - Held $14.3M of commercial and industrial loans as of June 30, 2026, up 5.7% from a year earlier (FDIC call report). - Provided the first lien on 17 SBA 504 projects with $11.2M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA). - Estimated legal lending limit of about $4.6M (estimate, 15% of tier 1 capital plus allowance, June 30, 2026 FDIC call report). - Listed 5 offices in 1 state (FDIC). - Held 66 commercial and industrial loans that were $1 million or less when made, with a balance of $7.4M as of June 30, 2026 (FDIC call report). These are loans held, not loans made. - Held 68 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $27.2M as of June 30, 2026 (FDIC call report). These are loans held, not loans made. - Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $771K for 1-4 family and $10M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made. ## What it holds (June 30, 2026) Balances held as filed. Not loans made. | Book | Holds | Of its loans | Year over year | | --- | --- | --- | --- | | Multifamily | $0 | 0% | not reported | | Construction and land development | $12.7M | 7.49% | +17.6% | | Owner-occupied CRE | $47.4M | 27.88% | +18.9% | | Non-owner-occupied CRE | $59.5M | 35% | +73.3% | | Farmland | $0 | 0% | not reported | | Commercial and industrial | $14.3M | 8.43% | +5.7% | ## Loans on record | Kind of loan | Period | Loans made | Dollars | Source | | --- | --- | --- | --- | --- | | SBA 504 first lien, net of cancelled | 36 months to September 30, 2026 | 16 | $11.1M | SBA FOIA | ## Recent recorded loans, coarsened Place is the county or the state, amounts are rounded to 2 significant figures, and no borrower is named. | When | Place | Loan | Amount | Rate | Term (months) | Source | | --- | --- | --- | --- | --- | --- | --- | | Sep 2025 | Florida | SBA 504, Agriculture, Forestry, Fishing and Hunting | $770K | not reported | 300 | SBA FOIA | | Apr 2025 | Florida | SBA 504, Insurance Agencies and Brokerages | $820K | not reported | 300 | SBA FOIA | | Mar 2025 | Florida | SBA 504, Automotive Oil Change and Lubrication Shops | $750K | not reported | 300 | SBA FOIA | | Mar 2025 | Florida | SBA 504, Roofing Contractors | $560K | not reported | 300 | SBA FOIA | | Dec 2024 | Florida | SBA 504, Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance | $320K | not reported | 300 | SBA FOIA | | Nov 2024 | Florida | SBA 504, Hotels (except Casino Hotels) and Motels | $950K | not reported | 300 | SBA FOIA | | Nov 2024 | Florida | SBA 504, RV (Recreational Vehicle) Parks and Campgrounds | $490K | not reported | 240 | SBA FOIA | | Oct 2024 | Florida | SBA 504, Offices of Dentists | $760K | not reported | 300 | SBA FOIA | | Sep 2024 | Florida | SBA 504, Other Building Finishing Contractors | $460K | not reported | 300 | SBA FOIA | | Sep 2024 | Florida | SBA 504, Offices of Dentists | $330K | not reported | 300 | SBA FOIA | ## Where it lends 5 offices in 1 states (October 28, 2026). ## Not a rating Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits. | Measure | Value | How it is worked out | | --- | --- | --- | | Estimated largest single loan | $4.57M | Estimate from reported capital, not a limit the lender has stated. | | Loans to assets | 66.16% | Total loans divided by total assets | | Loans to deposits | 77.48% | Total loans divided by total deposits | ## What we do not know - Whether this lender is taking new loans today. - Its underwriting limits and fees, unless it has told us. - Whether it takes brokers, beyond what the public record shows. - A balance is what a lender holds as filed. It is not a loan made. ## How to reach them - Website: https://www.cypressbanktrust.com (from the regulator record or the lender's own site) - Phone: (800) 439-8745 - Regulator record: https://banks.data.fdic.gov/bankfind-suite/bankfind/details/35506 ## For the record Data as of June 30, 2026. Data release 2026-11-12.1. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan. The Lender Report is not affiliated with, endorsed by or acting for the FDIC, NCUA, FFIEC, CFPB, SBA, HUD or any government agency. Certificate and charter numbers identify institutions only. The Lender Report is operated by JPro Labs LLC. The Lender Report is not a bank or a lender. It does not make loans or credit decisions. Listings are built from public records. Page: https://lender.report/lender/cypress-bank-and-trust-fl/ License: https://lender.report/license/