🏦Bank Scorer

COMMUNITY BANK OF THE SOUTH

MERRITT ISLAND, FL · Supervised by FDIC

Est. 1999FDIC #35,212RSSD: FDIC-35212
Part ofCBOS BANKSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.77%

Institution Profile

FDIC BankFind

Address

277 N Sykes Creek Pkwy, MERRITT ISLAND, FL

County

Brevard County

Established

November 29, 1999

Total Assets

$252M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$252M

Total Deposits

$229M

Net Loans

$74M

Net Income

$493K

ROA

0.77%

ROE

9.34%

Risk-Based Capital

23.73%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$238M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 2002

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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