Cypress Bank & Trust is a bank based in Melbourne, Florida, established in 1996, with $221 million in total assets across 5 branches. By Trust Grade it ranks 8th of 83 banks we track in Florida. Its capital ratio of 12.6% is stronger than 78% of similarly sized banks, versus a Florida median of 9.3%. It was profitable over the most recent period, with a 1.30% return on assets. No consumer complaints against Cypress Bank & Trust appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Cypress Bank & Trust compares to Florida peers
How we graded Cypress Bank & Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.6% capital ratio)
- Strongly profitable (ROA 1.30%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Cypress Bank & Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (5)
- 1910 San Marco Blvd, Jacksonville, FL 32207
- 251 Royal Palm Way, Palm Beach, FL 33480
- 4625 N. Highway A1a, Vero Beach, FL 32963
- 610 S Maitland Ave, Maitland, FL 32751
- 6115 N Wickham Rd, Melbourne, FL 32940
Are deposits at Cypress Bank & Trust insured?
Yes. Cypress Bank & Trust is an FDIC-insured bank (FDIC certificate #35506). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Cypress Bank & Trust: frequently asked questions
Is Cypress Bank & Trust a good bank?
Cypress Bank & Trust earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.6% capital ratio); Strongly profitable (ROA 1.30%).
Is Cypress Bank & Trust FDIC-insured?
Yes. Cypress Bank & Trust is a FDIC-insured bank (FDIC certificate #35506). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Cypress Bank & Trust?
Cypress Bank & Trust holds $221 million in total assets, ranking 8th of 83 banks we track in Florida. It operates 5 branches.
Does Cypress Bank & Trust have CFPB complaints?
No CFPB complaints against Cypress Bank & Trust appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
