B
Community Bank of the South
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
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Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings Community Bank of the South
Merritt Island, FL
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Rating B
Asset Quality Index 9.70
Capitalization Index 8.60
Liquidity Index 5.40
Profitability Index 4.70
Stability Index 4.70
Company Info Community Bank of the South
Merritt Island, FL
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FDIC Number 35212
Phone Number (321) 452-0420
Website www.cbos.bank
Asset Quality Community Bank of the South
Merritt Island, FL
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1-Year Asset Growth -3.16%
5-Year Asset Growth 4.70%
5-Year Charge-Offs to Average Loans -0.06%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Community Bank of the South
Merritt Island, FL
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Total Assets 257.20M
Total Deposits 231.63M
Capital and Reserves Community Bank of the South
Merritt Island, FL
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Capital 22.34M
Leverage Ratio 10.04
Loan Loss Reserves to Loans 1.35%
Risk-Based Capital Ratio 25.40
Liquidity Community Bank of the South
Merritt Island, FL
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Hot Money Ratio 21.53%
Liquidity Ratio 53.94%
Profitability Community Bank of the South
Merritt Island, FL
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5-Year Return on Average Assets 0.96%
Net Income 2.39M
Net Interest Spread 2.96%
Operating Profit to Average Assets 1.22%
Overhead Efficiency Ratio 58.40%
Return on Assets 0.92%
Return on Equity 11.67%