What is Community Bank of the South's financial health grade?

Community Bank of the South has a TFS Financial Health Grade of D (score: 64.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Community Bank of the South have?

Community Bank of the South has 3 branch locations across the United States.

Is Community Bank of the South FDIC insured?

Yes, Community Bank of the South is FDIC insured (Certificate #35212).

What are the total assets of Community Bank of the South?

Community Bank of the South has total assets of $257.2M as reported in its most recent FDIC filing.

Community Bank of the South

BankMerritt Island, Florida

www.cbos.bank

Total Assets

$257.2M

Total Deposits

$231.6M

Branches

Established

1999

TFS Health Grade

64.8 / 100

Below average financial health

How we grade

Community Bank of the South is a bank headquartered in Merritt Island, Florida, established in 1999. With $257.2M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D (64.8/100).

Capital & Safety

Tier 1 Capital Ratio

10.04%(8%)

Total Capital Ratio

25.40%(10%)

Non-Performing Loan Ratio

0.00%

Profitability

Return on Assets (ROA)

0.91%(1%)

Return on Equity (ROE)

11.69%(10%)

Net Interest Margin

2.94%

Efficiency Ratio

58.40%(60%)

Lending & Liquidity

Total Loans

$72.1M

Loan-to-Deposit Ratio

30.70%

Net Charge-Off Ratio

0.00%

Growth

Asset Growth (YoY)

-3.16%

Deposit Growth (YoY)

-5.12%

Net Income

$2.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Community Bank of the SouthHQ	277 N Sykes Creek Pkwy	Merritt Island	FL	11
Community Bank of the South	2321 Highway 524	Cocoa	FL	11
Community Bank of the South	1902 S Fiske Blvd	Rockledge	FL	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.