Bank Comparison
Community Bank of the South vs Gulf Atlantic Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Community Bank of the South | Gulf Atlantic Bank |
|---|---|---|
| CET1 Ratio | 22.67% | 10.50% |
| Tier 1 Capital Ratio | 22.67% | 10.50% |
| Total Capital Ratio | 23.73% | 11.36% |
| Tier 1 Leverage Ratio | 9.26% | 8.98% |
| Equity / Assets | 7.88% | 8.77% |
Profitability
| Metric | Community Bank of the South | Gulf Atlantic Bank |
|---|---|---|
| Return on Assets (ROA) | 0.77% | 0.84% |
| Return on Equity (ROE) | 9.34% | 10.02% |
| Net Interest Margin (NIM) | 2.92% | 4.40% |
| Yield on Earning Assets | 4.26% | 6.88% |
| Cost of Funds | 1.42% | 2.72% |
Asset quality
| Metric | Community Bank of the South | Gulf Atlantic Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.23% |
| ACL / Loans | 1.30% | 0.97% |
Balance sheet
| Metric | Community Bank of the South | Gulf Atlantic Bank |
|---|---|---|
| Total Assets | $252,467K | $245,177K |
| Total Deposits | $228,931K | $206,151K |
| Total Loans | $75,297K | $191,010K |
| Total Equity | $19,886K | $21,494K |
| Net Income (quarter) | $493 | $523 |
Liquidity & funding
| Metric | Community Bank of the South | Gulf Atlantic Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 32.89% | 92.66% |
| Core Deposit Ratio | 78.86% | 92.55% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Community Bank of the South | Gulf Atlantic Bank |
|---|---|---|
| Headquarters City | MERRITT ISLAND | KEY WEST |
| Headquarters State | FL | FL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 3 | 5 |
| Employees (FTE) | 21 | 46 |
| Established | Nov. 29, 1999, midnight | April 13, 2020, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Community Bank of the South profile | View full Gulf Atlantic Bank profile | Browse all bank comparisons