B
Community Bank of the South
Rating Date
August 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Community Bank of the South
Merritt Island, FL
Click to
Compare
Click to
Compare
Click to
Compare
Rating B
Asset Quality Index 9.70
Capitalization Index 7.70
Liquidity Index 5.20
Profitability Index 4.20
Stability Index 4.30
Company Info Community Bank of the South
Merritt Island, FL
Click to
Compare
Click to
Compare
Click to
Compare
FDIC Number 35212
Phone Number (321) 452-0420
Website www.cbos.bank
Asset Quality Community Bank of the South
Merritt Island, FL
Click to
Compare
Click to
Compare
Click to
Compare
1-Year Asset Growth 1.62%
5-Year Asset Growth 4.70%
5-Year Charge-Offs to Average Loans -0.05%
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
Click to
Compare
Click to
Compare
Click to
Compare
Total Assets 266.46M
Total Deposits 242.82M
Capital and Reserves Community Bank of the South
Merritt Island, FL
Click to
Compare
Click to
Compare
Click to
Compare
Capital 20.11M
Leverage Ratio 9.49
Loan Loss Reserves to Loans 1.25%
Risk-Based Capital Ratio 22.72
Liquidity Community Bank of the South
Merritt Island, FL
Click to
Compare
Click to
Compare
Click to
Compare
Hot Money Ratio 22.53%
Liquidity Ratio 48.82%
Profitability Community Bank of the South
Merritt Island, FL
Click to
Compare
Click to
Compare
Click to
Compare
5-Year Return on Average Assets 0.92%
Net Income 1.10M
Net Interest Spread 3.04%
Operating Profit to Average Assets 1.14%
Overhead Efficiency Ratio 60.11%
Return on Assets 0.86%
Return on Equity 10.68%