COMMUNITY BANK OF THE SOUTH

MERRITT ISLAND, FL | Small | Est. Nov. 29, 1999, midnight | FDIC #35212 | RSSD #2860039 | FDIC
Latest Report: 2025-12-31

COMMUNITY BANK OF THE SOUTH is asn small FDIC-insured commercial bank headquartered in MERRITT ISLAND, FL, established in Nov. 29, 1999, midnight. As of 2025-12-31, the bank reported total assets of $257M and total deposits of $232M. Profitability stands at 0.97% ROA and 11.34% ROE, with a net interest margin of 3.29%. The bank's CET1 capital ratio is 24.36%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #35212.

Assets

$257M

Deposits

$232M

Loans

$72M

Equity

$22M

Profitability

Return on Assets (ROA) 0.97%
Return on Equity (ROE) 11.34%
Net Interest Margin (NIM) 3.29%
Yield on Assets 4.73%
Cost of Funds 1.48%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.35%

Capital & Liquidity

CET1 Ratio 24.36%
Tier 1 Capital 24.36%
Total Capital Ratio 25.40%
Leverage Ratio 10.04%
Loan-to-Deposit 31.12%

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