Insights Cypress Bank and Trust

The Cypress Compass

Navigating your financial future can be time consuming – but it doesn’t have to be. Check out The Cypress Compass publication, produced by our team of industry thought leaders. This quarterly publication brings you important topics all-in-one place. Here you’ll find financial market trends to keep you informed.

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Client Spotlight : James Family Dentistry

Client Spotlight: James Family Dentistry

Rooted in Community, Growing with Cypress

After meeting while practicing in Boulder, CO and spending several years in the Pacific Northwest, Dr. Kevin James and his wife, Dr. Ciara Bone James, made the decision to return to South Florida to start their family and establish a dental practice grounded in compassion and clinical excellence. What followed was more than a career move—it was the start of something deeply personal and impactful.

Fifteen years later, James Family Dentistry has become a cornerstone in Royal Palm Beach. With a 4.9-star rating online, their reputation speaks volumes—not only about the quality of care they deliver but about the trust they’ve built with patients across generations.

Focusing on restorative care including placing and restoring dental implants, Dr. James understands the importance of precision, trust, and consistency—qualities he also values in his banking partner. That’s why his relationship with the team at Cypress—particularly Kym and Karen—has been so meaningful.

“We appreciate small local banks that actually feel local. If there’s ever a problem, I know I can call and reach someone right away. The concierge-level service Cypress provides is hard to find in any industry. They give us access and support exactly when we need it.”

From the moment they connected with Cypress, Dr. James recognized a difference. After years of working with larger institutions, the personalized approach and genuine responsiveness from the Cypress team stood out. It wasn’t about starting from scratch—it was about finding the right fit.

Whether it’s picking up the phone without delay or providing thoughtful, concierge-level support, our team is proud to stand alongside James Family Dentistry as a trusted financial partner in their continued success and service to the Royal Palm Beach community.

Meet James Family Dentistry’s Personal Banker!

Kym Marks

Relationship Manager, Vice President

561-296-6296 (Direct)

Client Spotlight : Performance Electrical Contracting Inc.

Client Spotlight: Performance Electrical Contracting, Inc.

Wired for Excellence, Built on Grit

Performance Electrical Contracting, Inc. (PEC) is a premier contracting firm at the forefront of the construction industry, specializing in a wide range of electrical services for commercial, multifamily, and residential properties. Headquartered in Jacksonville, PEC has earned a reputation for integrity, reliability, and high standards, delivering results with a hands-on, people-first approach.

PEC was founded over a decade ago by Mark Asselin and Donnie Mobley. After gaining valuable experience working under other contractors, they saw an opportunity to create something different—something lasting. Starting with small service jobs, they steadily grew the business into one that now handles large-scale multifamily, residential, and commercial projects across the region.

Mark brings over 30 years of experience to the table, fueled by a passion for the trades, a love for music, and a firm belief in the power of hard work. From bidding one $86,000 job solo in PEC’s early days to leading a team of 22 employees today, he’s lived out the core values that still drive the company: stay humble, invest in your people, and never stop learning.

Why Cypress

“Banking with Cypress feels different. We’re not just a number. The responsiveness, the tools, and the people—especially Ellen—made a huge difference. From helping us secure credit to answering questions quickly, we finally feel like we have a team that moves at our speed.”

— Mark Asselin, Co-Founder, Performance Electrical Contracting, Inc.

Client Spotlight : Daybreak Foliage

Client Spotlight: Daybreak Foliage

Bringing Spaces to Life, One Plant at a Time

Erica, founder of Daybreak Foliage, has built what Cypress describes as the “quintessential small business”—a full-service interior scape company that brings greenery and design to residential homes and small businesses throughout the community. What started with routine plant maintenance and troubleshooting has grown into a thriving operation offering design services, custom installations, and expanded offerings for cafes, restaurants, and office spaces.

In the past year alone, Erica has transformed their business, tackling new projects with bold creativity and deep horticultural knowledge. Erica’s background with hands-on experience managing greenhouses and studying horticulture has helped them become a go-to resource for clients seeking to create healthy, beautiful environments. Whether it’s potted plants in a cozy coffee shop or designing full foliage plans for commercial interiors, Erica thrives in their mission to connect people with plants and educate the community about their benefits.

“Plants make us happy. They help us feel more connected,” Erica says. “And I love being out in the community helping people bring that feeling to life.”

At the heart of Daybreak Foliage is Erica’s passion for people and their commitment to making every project personal. That’s one of the reasons they choose to bank with Cypress.

“What I love about Cypress is how personal it feels,” Erica shares. “They know my name. They understand the goals I have for my business. And when I call, whether it’s a small question or a big financial decision, I know someone will pick up and truly help. That kind of relationship is rare.”

From growing their business to growing community gardens and food forests, Erica sees Daybreak Foliage as more than just a company; it’s a way to plant roots and help others thrive.

To connect with Erica, visit their Instagram page and send a message – CLICK HERE!

Client Spotlight – Quality 1st Plumbing

Client Spotlight: Quality 1st Plumbing

Family-Owned, Community-Focused, and Built on Hard Work and Trust

Amy and her family have poured their hearts into building Quality 1st Plumbing, a business they founded in 2005 that has grown into a trusted name throughout Indian River County. What started as a small, family-run operation between Amy, her husband David, and their son Joshua, has flourished into a thriving company with 25 employees, offering remodels, new construction, and plumbing service work across the region.

“We’ve never advertised,” Amy shared. “Our business has grown solely through word of mouth. We’re incredibly grateful to be where we are today, and we owe that to our amazing employees and loyal clients.”

But when it came to banking, the journey wasn’t always seamless. Amy recalls feeling dismissed by her previous bank, where communication lacked transparency and service felt transactional. “They shut my account down due to what they decided was suspicious activity without even letting me know,” she said. “Other banks made me feel like a small fish.”

That all changed when a trusted contractor introduced her to Cypress Bank & Trust. Amy was connected with Ryan, Client Support Specialist, and Theo, Portfolio Manager. and after the first conversation, Amy and David knew they had found something different.

“When we had a fraud scare, Cypress responded immediately. I wasn’t bounced around or left guessing—they walked me through everything with clarity and care. They valued my time and treated my business like it truly mattered,” Amy shared. “Theo keeps us informed when the markets shift, making sure our investment and retirement accounts are thoughtfully managed. And Ryan is always a phone call away and looking out for our business. For the first time, I feel genuinely comfortable and confident with my bank. It feels like I finally have a team that’s looking out for me.”

Amy’s story is a testament to the power of personal relationships, especially for small business owners navigating big decisions. At Cypress, we’re proud to support Quality 1st Plumbing—and families like Amy’s—every step of the way.

To contact Quality 1st Plumbing, click here!

920 HARRISON STREET, SEBASTIAN, FL 32958

Client Spotlight: El Cilantrillo — Hiram & Dianne Turull

Client Spotlight: El Cilantrillo — Hiram & Dianne Turull
Planting the Seeds of Financial Literacy Across Generations

At Cypress, we believe true financial success is not just about managing assets — it’s about passing on knowledge and values that build a legacy. Few embody this philosophy better than Hiram and Dianne Turull, co-founders of El Cilantrillo, who together have turned their family business into both a thriving restaurant brand and a real-world classroom for their children.

Hiram, a former banker with over 25 years in the industry, understands the power of financial literacy. But from day one, this has been a shared vision with Dianne by his side — equally dedicated to building not only a successful business, but a future for their family. Together, they have woven these lessons into the daily operations of El Cilantrillo, involving all five of their adult children in meaningful roles — from management and payroll to social media and direct customer engagement. It’s not just participation; it’s preparation for their future.

Hiram and Dianne teach their children to understand every corner of the business. From cash flow management to the cost of goods sold and labor, vendor negotiations, payroll, and daily expenses, they ensure their children see beyond the numbers and fully grasp the why behind every decision. “It’s about stepping back so they can step forward,” Hiram shares — a reminder that leadership is as much about trust as it is about control.

Their approach extends well beyond business operations. Hiram and Dianne emphasize the importance of personal financial responsibility, encouraging their children to budget wisely and understand the smart use of credit. They make it a point to teach that extra income is only as valuable as how well it is managed, reinforcing that every dollar should have a purpose.

What stands out most in their journey is their deep appreciation for partnership. Hiram reflects with genuine warmth, “Without my relationship with Maria and Mercedes at Cypress, I simply wouldn’t be where I am today. They’ve been more than bankers — they’ve been my trusted advisors, my sounding board, and my steady partners through every challenge and opportunity. They understand my family, my goals, and they’ve helped me build this dream with the same care as if it were their own.”

Their philosophy is simple yet powerful: treat banking as a partnership, not a transaction. Hiram and Dianne have taught their children that the right banking relationship is personal, built on trust and understanding, never just numbers on a spreadsheet. Their journey proves that when you work hand-in-hand with your bank, you build more than a business — you build a legacy.

The Turull family’s story is a shining example of what it means to grow a family business organically, with heart, humility, and a dedication to teaching that success is best shared. At Cypress, we’re proud to stand alongside leaders like Hiram and Dianne, who are building not just businesses, but legacies.