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Community Bank of the South

Merritt Island, FL · Cert 35212 · Cbos Bankshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$266.5MAssets
$78.4MLoans
$242.8MDeposits
$20.1MEquity
Loan mix
90%RE $65.8M8%C&I $5.6M3%Consumer $2.0MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $182.3M25%Noninterest $60.5MQ3 2024Q2 2026

Market Position · Palm Bay-Melbourne-Titusville, FL · 2026 SOD (annual) · 2.1% share · #9 of 17 inst. · $0.2B of $11.5B

Executive Summary

  • Earnings: ROA of 0.93%, down 4 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.49%, down 16 bps from a year ago.
  • Funding: loans stand at 32.30% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.93%-4 bps YoY

Net Interest Margin (quarter, annualized)

3.02%+15 bps YoY

Efficiency Ratio (quarter, annualized)

60.10%+459 bps YoY

Tier 1 Leverage Ratio

9.49%-16 bps YoY

NIM

4.62%Q2 ’244.46%Q2 ’254.32%Q2 ’26-1%+5%

Non-interest income vs. expense

1.78%Q2 ’241.69%Q2 ’251.90%Q2 ’26-6%+16%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.91%0.79%0.97%0.91%0.97%0.77%0.93%-4 bps
Return on Equity11.63%12.65%11.10%12.96%11.30%11.34%9.34%12.10%-85 bps
Net Interest Margin2.68%2.81%2.56%2.86%2.87%3.03%2.80%3.02%+15 bps
Efficiency Ratio60.17%58.76%60.53%55.51%58.32%59.41%60.13%60.10%+459 bps
Non-Interest Burden1.54%1.58%1.49%1.51%1.61%1.74%1.62%1.75%+24 bps
Growth
Asset Growth (YoY)5.83%6.41%9.81%3.54%-3.94%-3.16%-5.59%1.62%-192 bps
Loan Growth (YoY)1.77%2.45%1.27%-3.89%1.45%-1.94%2.16%13.32%+1,720 bps
Deposit Growth (YoY)4.05%6.62%8.93%2.31%-5.25%-5.12%-6.23%1.90%-41 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.08%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.33%1.30%1.30%1.38%1.31%1.35%1.30%1.25%-13 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.21%9.08%9.32%9.65%9.94%10.04%9.26%9.49%-16 bps
Total Risk-Based Capital23.41%22.82%25.75%24.15%24.97%25.40%23.73%22.72%-143 bps
Equity / Assets7.44%6.87%7.32%7.70%8.50%8.68%7.88%7.55%-15 bps
Liquidity & Funding
Loans / Deposits29.28%30.11%30.19%29.05%31.35%31.12%32.89%32.30%+325 bps
Liquid Assets / Assets36.10%36.39%37.21%37.92%35.90%37.68%36.26%38.49%+57 bps
CRE / Total Capitaln/an/an/an/a186.24%184.68%205%n/an/a