Community Bank of the South: how it compares with its peers
Against 28 FL banks with half to twice its assets, Community Bank of the South's strongest measure in Q2 2026 is assets per employee ($11.6M vs. a $7.7M peer median). Its weakest relative measure is net interest margin (2.99% vs. 3.84%).
| Measure | Community Bank of the South | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.85% | 0.83% | Middle third Ahead of 57% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.99% | 3.84% | Bottom third Ahead of 4% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.11% | 71.53% | Top third Ahead of 79% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.6M | $7.7M | Top third Ahead of 96% of peers |
| Loans to deposits Net loans and leases over total deposits. | 31.90% | 75.59% | Context |
What it means for lending operations
Its efficiency ratio of 60.11% is better than the 71.53% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Cypress Bank & Trust Melbourne, FL · $257M
- Gulf Atlantic Bank Key West, FL · $253M
- First National Bank of Pasco Dade City, FL · $280M
- Lafayette State Bank Mayo, FL · $252M
- First Colony Bank of Florida Maitland, FL · $291M
- Natbank, National Association Hollywood, FL · $297M
Questions about Community Bank of the South
How big is Community Bank of the South?
Community Bank of the South, established in 1999, is headquartered in Merritt Island, FL. It reported $266M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Community Bank of the South's return on assets?
0.85% annualized in Q2 2026, against a 0.83% median for 28 FL banks with half to twice its assets, ahead of 57% of them.
What is Community Bank of the South's efficiency ratio?
60.11% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 71.53%, and lower is better.
Is Community Bank of the South growing its loans?
Net loans grew 13.5% over the year to Q2 2026, while deposits grew 1.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are FL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Florida bank ranked.