Total Assets
$257M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Community Bank of the South — FDIC Bank Health Profile
Merritt Island, Florida · Est. 1999. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #35212 Atlanta Region
B
Health grade
Good
Score: 66/100
Basel III capital ratios — Community Bank of the South
Total Deposits
$232M
Customer-funded liabilities
Net Loans
$71M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
24.36% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
24.36%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$22M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.91%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
11.69%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
58.40%
Income & Expense Breakdown
$11M
Interest Income
$415K
Non-Interest Income
$5M
Non-Interest Expense
FDIC Deposit Insurance
Community Bank of the South is FDIC-insured (Certificate #35212). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Community Bank of the South
Community Bank of the South is an FDIC-insured institution (Certificate #35212) headquartered in Merritt Island, Florida, established in 1999. The bank currently holds $257M in total assets and $232M in customer deposits, with $71M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Atlanta region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Community Bank of the South reports a Tier 1 Capital Ratio of 24.36% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $22M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.91% and a Return on Equity of 11.69%, with an Efficiency Ratio of 58.40% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of B (66/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Community Bank of the South is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Florida by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Community Bank of the South (FDIC Cert #35212) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Florida
All Florida banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| SouthState Bank, National Association Winter Haven | $67.2B | B | 1.40% |
| EverBank, National Association Jacksonville | $46.0B | C | 0.72% |
| Raymond James Bank Saint Petersburg | $43.4B | B | 1.47% |
| BankUnited, National Association Miami Lakes | $35.0B | C | 0.89% |
| City National Bank of Florida Miami | $28.0B | C | 0.96% |
| Seacoast National Bank Stuart | $20.8B | C | 0.91% |
| Amerant Bank, National Association Coral Gables | $9.8B | C | 0.64% |
| Ocean Bank Miami | $7.4B | C | 0.92% |
Frequently Asked Questions
What is Community Bank of the South's health grade? ▼
Community Bank of the South receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Community Bank of the South? ▼
Community Bank of the South holds $257M in total assets and $232M in deposits. It is headquartered in Merritt Island, Florida.
Is my money safe at Community Bank of the South? ▼
Yes. Community Bank of the South is FDIC-insured (Certificate #35212). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Community Bank of the South's Tier 1 Capital Ratio? ▼
Community Bank of the South has a Tier 1 Capital Ratio of 24.36%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Community Bank of the South? ▼
Community Bank of the South has an Efficiency Ratio of 58.40%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.