Community Bank of the South: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community Bank of the South of Merritt Island, FL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.95% | 1.35% | -0.40% | 30th below |
| ROAE Ahead of the peer average, behind the median peer. | 12.10% | 12.05% | +0.05% | 48th below |
| Net Interest Margin | 3.15% | 3.90% | -0.75% | 14th bottom |
| Efficiency Ratio | 59.90% | 63.15% | -3.25% | 54th above |
| PPNR / Avg Assets | 1.26% | 1.64% | -0.38% | 32nd below |
| Yield on Earning Assets | 4.51% | 5.65% | -1.14% | 9th bottom |
| Cost of Funds | 1.44% | 1.85% | -0.41% | 73rd above |
| Net Interest Spread | 2.64% | 3.35% | -0.71% | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.25% | 1.28% | -0.03% | 55th above |
| Texas Ratio | 0.00% | 7.15% | -7.15% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.73% | 20.83% | +0.90% | 82nd top |
| Tier 1 Ratio | 21.73% | 20.86% | +0.87% | 82nd top |
| Total Capital Ratio | 22.72% | 21.93% | +0.79% | 81st top |
| Leverage Ratio | 9.49% | 12.46% | -2.97% | 21st bottom |
| Equity / Assets | 7.55% | 11.67% | -4.12% | 9th bottom |
| TCE / Tangible Assets | 7.55% | 11.40% | -3.85% | 11th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 32.30% | 78.66% | -46.36% | 98th top |
| Core Deposit Ratio | 78.31% | 87.10% | -8.79% | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.62% | 6.48% | -4.86% | 30th below |
| Loan Growth (Y/Y) | 13.32% | 7.64% | +5.68% | 83rd top |
| Deposit Growth (Y/Y) | 1.90% | 6.02% | -4.12% | 35th below |
See Community Bank of the South's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community Bank of the South, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Community Bank of the South profile, how to read a UBPR, or how this data updates.