Community Bank of the South is a state-chartered bank headquartered in Merritt Island, Florida, in business for about 27 years. At the end of Q2 2026 it reported $266.5M in total assets and $242.8M in deposits, with 3 offices.
Community Bank of the South has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 51st. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (45/100, 9.49%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 67).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 66 |
| Q4 2024 | 66 |
| Q1 2025 | 66 |
| Q2 2025 | 68 |
| Q3 2025 | 68 |
| Q4 2025 | 69 |
| Q1 2026 | 66 |
| Q2 2026 | 67 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.50% |
| Q3 2024 | 9.21% |
| Q4 2024 | 9.08% |
| Q1 2025 | 9.32% |
| Q2 2025 | 9.65% |
| Q3 2025 | 9.94% |
| Q4 2025 | 10.04% |
| Q1 2026 | 9.26% |
| Q2 2026 | 9.49% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.82% |
| Q3 2024 | 0.82% |
| Q4 2024 | 0.85% |
| Q1 2025 | 0.79% |
| Q2 2025 | 0.88% |
| Q3 2025 | 0.89% |
| Q4 2025 | 0.91% |
| Q1 2026 | 0.77% |
| Q2 2026 | 0.85% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $266.5M | 9.49% | 0.00% | 0.85% | 31.9% |
| Q1 2026 | 66 | $252.5M | 9.26% | 0.00% | 0.77% | 32.5% |
| Q4 2025 | 69 | $257.2M | 10.04% | 0.00% | 0.91% | 30.7% |
| Q3 2025 | 68 | $258.3M | 9.94% | 0.00% | 0.89% | 30.9% |
| Q2 2025 | 68 | $262.2M | 9.65% | 0.00% | 0.88% | 28.6% |
| Q1 2025 | 66 | $267.4M | 9.32% | 0.00% | 0.79% | 29.8% |
| Q4 2024 | 66 | $265.6M | 9.08% | 0.00% | 0.85% | 29.7% |
| Q3 2024 | 66 | $268.8M | 9.21% | 0.00% | 0.82% | 28.9% |
| Q2 2024 | 67 | $253.3M | 9.50% | 0.00% | 0.82% | 30.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cypress Bank & TrustBank Melbourne, FL | 79 out of 100, Strong | $256.8M | 11.8% | 0.00% | vs |
| Gulf Atlantic BankBank Key West, FL | 62 out of 100, Moderate | $253.2M | 9.4% | 0.20% | vs |
| First National Bank of PascoBank Dade City, FL | 64 out of 100, Moderate | $280.0M | 10.2% | 0.36% | vs |
| Lafayette State BankBank Mayo, FL | 74 out of 100, Strong | $252.2M | 9.9% | 0.06% | vs |
| First Colony Bank of FloridaBank Maitland, FL | 79 out of 100, Strong | $291.1M | 9.9% | 0.17% | vs |
| Natbank, National AssociationBank Hollywood, FL | 77 out of 100, Strong | $296.5M | 29.8% | 0.00% | vs |
Deposit insurance
Is my money safe at Community Bank of the South?
Yes. Community Bank of the South is an FDIC-insured institution (FDIC certificate #35212). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 64.8% of deposits ($157.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.49%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.72% (benchmark: 10%).
3 locations
Branches
Community Bank of the South lists 3 offices in 3 cities. Most locations:
- Cocoa, FL (1)
- Merritt Island, FL (1)
- Rockledge, FL (1)
Identity & history
Profile
- Legal name
- Community Bank of the South
- Type
- State-chartered bank
- FDIC certificate #
- 35212
- RSSD ID
- 2860039
- Primary regulator
- FDIC
- Holding company
- Cbos Bankshares Inc
- Established
- November 29, 1999
- Headquarters
- 277 N Sykes Creek Pkwy, Merritt Island, FL 32953
- Website
- www.cbos.bank
- Employees
- 23
Quick answers
Community Bank of the South: common questions
Is Community Bank of the South FDIC insured?
Yes. Community Bank of the South is an FDIC-insured institution (FDIC certificate #35212). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Community Bank of the South's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Community Bank of the South ever failed?
There is no failure record for FDIC certificate #35212 in the FDIC failed bank list.
How many branches does Community Bank of the South have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Merritt Island
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cypress Bank & TrustBank Melbourne, FL | 79 out of 100, Strong | $256.8M | 11.8% | 0.00% | vs |
| Community Credit Union of FloridaCredit union Rockledge, FL | 70 out of 100, Strong | $1.4B | 11.3% | 0.22% | vs |
| Sunrise BankBank Orlando, FL | 68 out of 100, Moderate | $622.9M | 9.5% | 0.10% | vs |
| SouthState Bank, National AssociationBank Winter Haven, FL | 68 out of 100, Moderate | $68.8B | 10.3% | 0.54% | vs |
| United Community BankBank Greenville, SC | 67 out of 100, Moderate | $29.0B | 9.5% | 0.51% | vs |
| Space Coast Credit UnionCredit union Melbourne, FL | 66 out of 100, Moderate | $9.2B | 11.4% | 0.80% | vs |