B
Community Bank of the South
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
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 8.40
Liquidity Index 5.40
Profitability Index 4.70
Stability Index 4.50
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 -3.94%
5-Year Asset Growth 13.15%
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 258.26M
Total Deposits 232.57M
Capital and Reserves Community Bank of the South
Merritt Island, FL
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Capital 21.95M
Leverage Ratio 9.94
Loan Loss Reserves to Loans 1.31%
Risk-Based Capital Ratio 24.97
Liquidity Community Bank of the South
Merritt Island, FL
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Hot Money Ratio 22.76%
Liquidity Ratio 52.79%
Profitability Community Bank of the South
Merritt Island, FL
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5-Year Return on Average Assets 0.96%
Net Income 1.76M
Net Interest Spread 2.89%
Operating Profit to Average Assets 1.22%
Overhead Efficiency Ratio 58.03%
Return on Assets 0.90%
Return on Equity 11.79%