Community Bank of the South
Merritt Island, FL · Cert 35212 · Peer group: banks under $1B in assets (n=581-629) · Cbos Bankshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$266.5MAssets
$78.4MLoans
$242.8MDeposits
$20.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: equity / assets trails 92% of banks under $1B in assets (rank 577 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.82%
Rank 406 of 629
Net Interest Margin
2.91%
Rank 500 of 629
Efficiency Ratio
60.11%
Rank 179 of 629
Equity / Assets
7.55%
Rank 577 of 629
Non-interest income vs. expense
Unfavorable gap of $4.3M · efficiency ratio beats 72% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.82% | 0.60% | 1.01% | 1.45% | Beats 35% | 406 / 629 | |
| Return on Equity | 10.92% | 5.38% | 9.30% | 13.28% | Beats 60% | 251 / 629 | |
| Net Interest Margin | 2.91% | 3.03% | 3.54% | 4.05% | Beats 21% | 500 / 629 | |
| Efficiency Ratio | 60.11% | 58.35% | 67.79% | 79.08% | Beats 72% | 179 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 21.73% | 11.24% | 13.84% | 18.77% | Beats 80% | 123 / 629 | |
| Total Risk-Based Capital Ratio | 22.72% | 11.58% | 14.43% | 19.66% | Beats 81% | 122 / 629 | |
| Equity / Assets | 7.55% | 9.09% | 10.65% | 13.80% | Beats 8% | 577 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 32.30% | 67.24% | 80.90% | 93.48% | 4th pctl | 569 / 594 | |
| Loans / Assets | 29.43% | 53.31% | 67.71% | 78.15% | 11th pctl | 561 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |