Community Bank of the South: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 1.74 percentage points lower than in Q1 2026, at 28.22%. Within Florida, Community Bank of the South is 47th of 79 on return on assets, 0.95% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Community Bank of the South sits 0.31 points lower, at 0.95% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.73% |
| Tier 1 risk-based capital ratio | 21.73% |
| Total risk-based capital ratio | 22.72% |
| Tier 1 leverage ratio | 9.49% |
| Equity capital to assets | 7.55% |
| Tangible equity to tangible assets | 7.55% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.95% |
| Return on equity | 12.10% |
| Net interest margin | 3.15% |
| Efficiency ratio | 59.90% |
| Yield on earning assets | 4.51% |
| Cost of funds | 1.44% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 32.30% |
| Core deposits to total deposits | 78.31% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.13% |
| Securities to assets | 28.22% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 23.23% | 23.23% | 24.26% | 9.37% | 0.97% |
| Q4 2023 | 22.02% | 22.02% | 23.02% | 9.21% | 0.95% |
| Q1 2024 | 23.15% | 23.15% | 24.20% | 9.29% | 0.72% |
| Q2 2024 | 21.69% | 21.69% | 22.68% | 9.50% | 0.95% |
| Q3 2024 | 22.40% | 22.40% | 23.41% | 9.21% | 0.84% |
| Q4 2024 | 21.86% | 21.86% | 22.82% | 9.08% | 0.91% |
| Q1 2025 | 24.69% | 24.69% | 25.75% | 9.32% | 0.79% |
| Q2 2025 | 23.18% | 23.18% | 24.15% | 9.65% | 0.98% |
| Q3 2025 | 23.97% | 23.97% | 24.97% | 9.94% | 0.93% |
| Q4 2025 | 24.36% | 24.36% | 25.40% | 10.04% | 0.98% |
| Q1 2026 | 22.67% | 22.67% | 23.73% | 9.26% | 0.77% |
| Q2 2026 | 21.73% | 21.73% | 22.72% | 9.49% | 0.95% |
Community Bank of the South vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of the South, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community Bank of the South profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35212) · FFIEC NIC profile (RSSD 2860039)