Community Bank of the South
Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.7). Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 25.4 and a capital leverage ratio of 10.0.
Other Rating Factors:
Good liquidity 5.4, driven by a liquidity ratio of 53.9 percent and a “hot money” ratio of 21.5 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.7 on a scale of 0 to 10).
Asset Mix:
Cash (38%), securities (30%), comm re (17%), home mtgs (6%), comm loans (2%), consumer loans (1%), other (7%)
States with Branches:
FL
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
CBOS Bankshares, Inc.
Investment Rating
--
Address
277 North Sykes Creek Parkway
Merritt Island, FL 32953
Merritt Island, FL 32953
Phone Number
(321) 452-0420
Year Founded
1999
FDIC Number
Website
Largest Affiliates
No affiliate information available.