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Community Bank Of The South
Merritt Island, FL · FDIC Certificate #35212 · Chartered 11/2
Total assets
$266.46M
Total deposits
$242.82M
Total equity
$20.11M
Net loans
$77.45M
Branches (offices)
3
Net income (YTD)
$1.10M
Rank: #2,630 of 4,213 U.S. banks by assets · #62 of 81 in Florida. Assets changed 1.6% and deposits 1.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.85% |
| Return on equity | 10.57% |
| Net interest margin (YTD) | 2.99% |
| Equity to assets | 7.55% |
| Tier 1 leverage ratio | 9.49% |
| Uninsured deposits (share of deposits) | 64.8% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 31.9% |
| Real estate loans (share of loans) | 85.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $65.99M | 85.2% | |
| Commercial & industrial | $8.70M | 11.2% | |
| Consumer / individual | $2.03M | 2.6% | |
| Construction & development | $5.76M | 7.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $259.47M | $241.90M | $931.00K | $14.89M |
| Jun 2023 | $250.73M | $231.68M | $1.64M | $16.17M |
| Jun 2024 | $253.25M | $232.91M | $1.02M | $17.14M |
| Jun 2025 | $262.22M | $238.28M | $1.17M | $20.18M |
| Jun 2026 | $266.46M | $242.82M | $1.10M | $20.11M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $242.82M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $242.82M.
Similar-sized banks
Community First Bank Of The Heartland ($266.76M) · Security Trust & Savings Bank ($266.43M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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