Community Bank of the South
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Data as of · sourced from FFIEC call reports. How we update
Community Bank of the South is an FDIC-insured commercial bank headquartered in Merritt Island, FL, established in 1999 (FDIC certificate 35212), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $266.5M, up 1.6% from Q2 2025, the 62nd largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 21.73% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35212
- Headquarters
- Merritt Island, FL
- Established
- 1999
- Total assets, Q2 2026
- $266.5M
- Assets vs Q2 2025
- +1.6%
- CET1 ratio, Q2 2026
- 21.73%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 063114894
- Latest call report
- Q2 2026, FFIEC 051 · Community Bank of the South Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- CBOS BANKSHARES, INC.
- Asset rank in state
- 62nd of 81 in Florida
Community Bank of the South, based in Merritt Island, Florida, reported $266 million in assets at June 30, 2026, up 1.6% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). On the other hand, it keeps 3.15 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Loans are outrunning deposits: over the year loans rose 13.3% and deposits rose 1.9%. Unrealized losses on its securities total $5.5 million, equal to 23% of Tier 1 capital, against 28% a year earlier. Where it has less room is capital: it funds 9.49% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Community Bank of the South reported a CET1 capital ratio of 21.73%, a return on assets of 0.95%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Community Bank of the South ranks as the 62nd largest of the 81 banks based in Florida, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 5.5% to $266.5M, loans rose 4.2% and deposits rose 6.1%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 42.7% of total loans, followed by 1-4 family residential loans at 22.3%. Its 3 offices in the FDIC Summary of Deposits are in Rockledge, FL, Merritt Island, FL and Cocoa, FL; its Rockledge office books 40% of its branch deposits. By the capital ratios in its Q2 2026 call report, Community Bank of the South meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 277 N Sykes Creek Pkwy, Merritt Island, FL 32953
- County
- Brevard
- Metro Area
- Palm Bay-Melbourne-Titusville, FL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 29, 1999
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $242.8M
- Allowance for credit losses
- $977K
- Net charge-offs (YTD)
- $0
- Average total assets
- $255.1M
- Average total loans
- $75.9M
- Average interest-bearing deposits
- $173.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 29, 1999
- FDIC Cert
- 35212
- Fed RSSD
- 2860039
- Website
- www.cbos.bank →
- Parent Holding Company
- CBOS BANKSHARES, INC. (RSSD 3450530)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Community Bank of the South's total assets ranged from $243.5M (Q1 2024) to $268.8M (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$266.5M total assets against $262.2M; $246.3M total liabilities against $242.0M.
$77.5M net loans and leases against $68.3M; $242.8M total deposits against $238.3M.
$75.2M securities against $83.1M; $104.1M cash and balances due against $101.0M.
$2.8M total interest income against $2.9M; $833K total interest expense against $1.0M.
$1.9M net interest income against $1.9M.
$97K total noninterest income against $121K; $1.2M total noninterest expense against $1.1M.
$0 provision for credit losses against $0.
$605K net income against $644K.
0.95% return on assets against 0.98%; 3.15% net interest margin against 2.99%.
21.73% CET1 capital ratio against 23.18%; 9.49% tier 1 leverage ratio against 9.65%.
Inside the full Community Bank of the South terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity Bank of the South rankings
Its closest position to the top of a national ranking is 264 of 2,134, for CET1 ratio; its furthest is 3,495 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.77% (Q1 2026) to 0.98% (Q2 2025) and its net interest margin ran from 2.67% (Q1 2025) to 3.19% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.73% | 0.95% | 0.00% | 0.00% | 3.15% |
| Q1 2026 | 22.67% | 0.77% | 0.00% | 0.00% | 2.92% |
| Q4 2025 | 24.36% | 0.98% | 0.00% | 0.00% | 3.19% |
| Q3 2025 | 23.97% | 0.93% | 0.00% | 0.00% | 3.00% |
| Q2 2025 | 23.18% | 0.98% | 0.00% | 0.00% | 2.99% |
| Q1 2025 | 24.69% | 0.79% | 0.00% | 0.00% | 2.67% |
| Q4 2024 | 21.86% | 0.91% | 0.00% | 0.00% | 2.93% |
| Q3 2024 | 22.40% | 0.84% | 0.00% | 0.00% | 2.81% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Rockledge Branch | Rockledge , FL | 32955 | $96.5M |
| Community Bank of the South (main office) | Merritt Island , FL | 32953 | $87.6M |
| Cocoa Commons Branch | Cocoa , FL | 32926 | $58.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 111 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Community Bank of the South
What are Community Bank of the South's total assets?
As of the Q2 2026 filing, Community Bank of the South reported total assets of $266.5 million in its FFIEC call report.
Where is Community Bank of the South headquartered?
It is headquartered in Merritt Island, FL, United States.
When was Community Bank of the South founded?
It was established in 1999, per the FDIC institution directory.
Is Community Bank of the South FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35212). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bank of the South?
Community Bank of the South's primary federal regulator is the FDIC.
What is Community Bank of the South's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.73% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community Bank of the South operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Bank of the South's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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