Banking Solutions

Cypress Commercial Lending

Whether you’re a business professional, a seasoned business owner, or an entrepreneur with a great idea, we speak your language. Here at Cypress, we are fluent in cash flow, capital, profitability, risk management, profits, and return on investment. We can help you make your money work overtime, so someday you don’t have to. And speaking of earning, let Cypress Bank & Trust’s experienced bankers tailor a strategy that aligns your business goals with your personal goals. We work for you and we’re ready to earn your business.


  • Revolving Lines of Credit
  • Seasonal Lines of Credit
  • Term Loans
  • Machinery & Equipment Loans
  • Business Loans secured by Real Estate
  • Unsecured Lending
  • Savings and Time Deposit Loans
  • Standby Letters of Credit
  • Commercial Letters of Credit
  • Back-to-back Letters of Credit


  • Commercial Office Property
  • Industrial Property
  • Retail Property
  • Warehouse Property
  • Multi-Family Property


  • Residential and Office Condominium Development
  • Residential Subdivisions
  • Commercial Office Property
  • Industrial Property
  • Retail Property
  • Hotel/Motel
  • Warehouse Property
  • Non-Owner-Occupied Single-Family Homes – Model Home or Speculative
  • Non-Owner-Occupied Single-Family Homes Pre-Sold

For more information about our commercial lending solutions, call, email, or visit one of our bank offices. 

Lending Contacts

Steve Lomicka, NMLS 2584453 | Commercial Banker, Senior Vice President

Steve Lomicka, brings over 30 years of extensive banking experience and a deep passion for service, mentorship, and fostering greatness in both personal and professional realms. His expertise spans commercial relationship management, credit solutions, customer needs analysis, and commercial real estate and construction lending, ensuring sustainable and efficient growth for clients and organizations.

Before joining Cypress, Steve significantly impacted PNC Bank’s commercial real estate lending division for 12 years, holding key positions such as CRE market manager, commercial banking team lead, commercial loan officer, and branch manager.

Steve holds an MBA from George Mason University, a B.S. in Finance/Marketing from the University of Richmond, and a banking diploma from the Virginia Bankers Association School of Bank Management at the University of Virginia.

Beyond his professional achievements, Steve enjoys spending quality time with his family, engaging in leisure activities like beach days, staying active through exercise, watching sports, and contributing to the community through volunteering.

Direct 703-472-8052

Do not include your account number, password, credit card information, Social Security number, or PIN when you contact us through email.

MERCEDES F. MCCALL, NMLS 809420 | Relationship Manager | Senior Vice President

Mercedes Figueroa McCall, Relationship Manager and Senior Vice President, works to develop new client relationships and serves as a community ambassador for Cypress Bank & Trust. Early in her career, Mercedes built a name for herself as the first Hispanic female banking executive in Central Florida and is well-known for her many contributions to the community. She has served in various nonprofit Board of Directors roles, including the first female President of the Hispanic Chamber of Commerce, Chair of Orange County Housing Finance Authority, Board member of Jobs Partnership, and founding member and Past Chair of HBIF, now Prospera.

Direct 407-961-6054

Do not include your account number, password, credit card information, Social Security number, or PIN when you contact us through email.

KYM MARKS, NMLS 1394145 | Relationship Manager | Vice President

Kym Marks, Relationship Manager and Vice President, has 35 years of experience and professional knowledge building relationships in the banking industry and uses her positive attitude to encourage others to work hard and succeed. Kym began her banking career in 1987 with Sun Bank of the Treasure Coast, and later continued with United Bank as a Branch Regional Operations Manager.

Direct 561-296-6296

Do not include your account number, password, credit card information, Social Security number, or PIN when you contact us through email.

CHRIS MYERS, NMLS 1201787 | Senior Relationship Manager | Senior Vice President

Headshot of Chris

Chris Myers, Senior Relationship Manager and Senior Vice President, has over 30 years of experience building relationships with clients in the banking industry. Chris relocated to Brevard County, FL in 2013 and began working as branch manager for Florida Bank of Commerce. She later joined Cypress Bank & Trust in May 2021. Her prior career pursuits include working for Holy Trinity Catholic Church in Weston, MO, as Director of Religious Education and Confirmation Formation. Chris serves on several community Boards including Habitat for Humanity of Brevard County, Children’s Home Society of Florida – Space Coast Regional Advisory Board, Bridges BTC, Rotary Club of Suntree, and Hey, Blue Advisory Council.

Direct 321-306-4107

Do not include your account number, password, credit card information, Social Security number, or PIN when you contact us through email.

MARIA R. RODAMMER, NMLS 1168504 | Senior Commercial Lending Officer | Senior Vice President

Maria Rodammer, Senior Commercial Lending Officer and Senior Vice President, utilizes her leadership and customer service abilities to continue to grow Cypress’ presence. With nearly 23 years in the commercial banking industry, Maria is leading the bank’s market expansion throughout Florida and working directly with clients who are seeking solutions for their personal and business banking needs. She is passionate about playing an integral role in the growth of her clients’ businesses. Maria is a committed volunteer for many local charitable and business networking organizations. She graduated from the University of Central Florida with dual Bachelor’s Degrees in Marketing and Management Information Systems. She is also a graduate of The Florida School of Banking from the University of Florida.

Direct 407-961-6057

Do not include your account number, password, credit card information, Social Security number, or PIN when you contact us through email.

Nick Villamil, NMLS 2534134 | Commercial Banking Specialist

Nick Villamil joins us with a unique perspective on the banking industry, having grown up in a family of small business owners. He understands firsthand the significant role that a strong banking relationship can play in the success of a business, and he is passionate about helping our clients achieve their financial goals and grow their businesses.

Before joining Cypress Bank & Trust, Nick worked at SouthState Bank as a Sales Portfolio Specialist, where he gained invaluable experience collaborating with various teams to meet the banking needs of businesses. This experience has equipped him with the skills and knowledge needed to excel in his new role.

Nick is also committed to continuous learning and professional growth. He is currently pursuing an MBA at the Crummer Graduate School of Business and holds a Bachelor of Arts in Economics from Rollins College, where he graduated with honors. During his undergraduate years, Nick was a member of the varsity men’s rowing team, demonstrating his time management skills, teamwork, and dedication to delivering results.

Direct 561-296-6298

Do not include your account number, password, credit card information, Social Security number, or PIN when you contact us through email.

Cypress Bank and Trust business credit card laying over iPhone with Cypress Bank and Trust app showing

Bank From Anywhere

Cypress Bank & Trust helps you easily manage your money by consolidating all your banking in one place. We provide an intuitive digital dashboard to let you control multiple accounts, move funds, pay bills and track spending. Plus, ask us how we can help you with merchant services such as processing payments and accessing those funds simply. A whole suite of services to keep your business running smoothly. Bank the Cypress Way.