Side-by-side · Q2 2026 data
Community Bank of the South vs Gulf Atlantic Bank
Metric by metric
| Measure | Community Bank of the South | Gulf Atlantic Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 62 |
| Capital cushion | 45 (stronger) | 44 |
| Loan quality | 100 (stronger) | 93 |
| Earnings | 54 (stronger) | 47 |
| Funding & liquidity | 50 (stronger) | 46 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 34th | 22nd |
| Total assets | $266.5M | $253.2M |
| Deposits / shares | $242.8M | $213.0M |
| Capital ratio | 9.49% (stronger) | 9.38% |
| Problem loans | 0.00% (stronger) | 0.20% |
| Net charge-offs | 0.00% (stronger) | 0.19% |
| Return on assets | 0.85% (stronger) | 0.68% |
| Loans ÷ deposits | 31.9% (stronger) | 89.1% |
| Uninsured deposits | 64.8% | 37.7% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community Bank of the South has the higher TellerScore (67 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Community Bank of the South leads on 6 and Gulf Atlantic Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.