# COMMUNITY BANK OF THE SOUTH
MERRITT ISLAND, FL · FDIC certificate 35212 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $266.5M | |
| Deposits | $242.8M | |
| Loans and leases | $78.4M | |
| Total equity | $20.1M | |
| Loans / deposits | 31.90% (p7 of band) | 73.59% |
| Liquid assets / assets | 67.27% (p92 of band) | |
| Uninsured deposits / deposits | 64.79% (p99 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.49% (p17 of band) | 11.76% |
| Unrealized securities loss / equity | -27.32% (p16 of band) | -6.57% |
| AOCI / equity | -2.78% (p7 of band) | |
| ROA (annualized) | 0.85% (p32 of band) | 1.17% |
| Net interest margin | 2.99% (p12 of band) | 3.93% |
| Efficiency ratio | 60.11% (p36 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 84% | |
| Construction % of loans | 28.66% (p63 of band) | |
| Auto loans | $593,000 (0.76% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2012-12 | 1 |  | capital falling, noncurrent p90 |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | noncurrent p90 |  |
| 2013-09 | 1 |  | noncurrent p90 |
| 2013-12 | 2 | noncurrent p90 |  |
| 2014-03 | 4 | capital falling, NIM <2.5% |  |
| 2014-06 | 2 |  | reserve under noncurrent, noncurrent p90 |
| 2014-09 | 3 | charge-offs p90 |  |
| 2014-12 | 2 | reserve under noncurrent | capital falling, charge-offs p90 |
| 2015-03 | 4 | deposits shrinking, assets shrinking |  |
| 2015-06 | 2 |  | deposits shrinking, assets shrinking |
| 2015-09 | 3 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2015-12 | 3 |  |  |
| 2016-03 | 1 |  | deposits shrinking, assets shrinking |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | NIM <2.5% |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | uninsured deposits >50% |  |
| 2018-06 | 0 |  | uninsured deposits >50% |
| 2018-09 | 1 | uninsured deposits >50% |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | NIM <2.5% |  |
| 2022-03 | 2 |  | capital falling |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  | NIM <2.5% |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 4 | deposits shrinking, assets shrinking |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 2 |  | deposits shrinking, assets shrinking |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 3 | capital falling, securities losses >30% of equity |  |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 | deposits shrinking | securities losses >30% of equity |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | assets shrinking |  |
| 2026-06 | 1 |  | deposits shrinking, assets shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-21 [People to Know in Banking & Finance: Erik Weiner - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPUlVaWHFWcFNKSk1vZUhQWUlwUTkxVXZYQUNpVHc3XzZ5b0JpTlNjNEN6WXRqcEhjbG5YQUxYZ3ZrcHEwYk9iT0dsNVBoV2trbjVRV1ZvTFVpdmxzUEpLY0Fjd0FoYlowWnNMeVIzRnMybEF0UGJsMFZILUl4Vzc4WExTNHN5UDE0SVJKcUxDTWNmaVpEcUlydUFnMFVyMHFQbDZfcEZDWQ?oc=5) · The Business Journals
- 2016-02-01 [45th Space Wing honors community leaders at CivMil banquet - patrick.spaceforce.mil](https://news.google.com/rss/articles/CBMiygFBVV95cUxQY1VzbHFPX3IzWjJMTXZNdEhaV0dMeWFEQmhxTlRCcV8tS1N1UDJIUndKbVpHUnVmY1hkdnluV2xtVndSTVJ6OEI2dWU0RW5tTG5sVXRlV1duYWpUYnFxQURoQkdWWS1lOTFSbHBhMVY2N1lMenNDbTJZQ0RwdE8tU1lZMU5pV3pySlJYVmZOVDczVngxMHB0dVlycFpjZldsYzRubWt1LUNZS19kdmo0NDZXLTNLY0ZUMVZpU2J3TFE5a3V2Xy1ERUNn?oc=5) · patrick.spaceforce.mil
- 2024-03-07 [Attorney Markey joins Goldman, Monaghan, Thakkar & Bettin law firm - Florida Today](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQdElWd1lRMkh4Z2t5d3Y5NTZ0SG9ZQ3JLbG5fOVZTQldiVjExdHR0SXVONXVZLVZtcy1sb2gtcDI1ZFpCMm5IY3RkV25uMGREYkdiN2Vka1Q0VFhDTXZHclVVX2FyTklPWFpJVGZKQlBYMWZUQWNJM2d2Qmd2ZUdTR1NPd29uX2w0VXBEbGNJTERlVkgxalg3dnljU2psY2dEb3l4ZlVTbWZSLU9xS3VjazhJeURvSEZTY0h5Y0NXN0hhQUd2MnFFVEppMnYzS2RGUlE?oc=5) · Florida Today
- 2014-06-28 [Unofficial Problem Bank list declines to 468 Institutions, Q2 2014 Transition Matrix - Calculated Risk](https://news.google.com/rss/articles/CBMikgFBVV95cUxOSUFUUFMzT2JPM0xhYkZjbU94c2U3RTRROU1pcEtFNUZXS0dxTmtSTldvbnRqRGFoeHVUOW9sbnRocmdfOWVRX3VDNExTc2JTNDRZTWJURU16SmVESHlNQnNPV2FJaXZQVERjVldCOUJETE8tRmxtMVAxZ1p5VDhqLXROZkRNdzJQbmY2VUJjX3gtUQ?oc=5) · Calculated Risk
- 2026-07-24 [Hancock Whitney sets closing date for $377M acquisition of Orlando's largest bank - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPaFNra2I5VGpMUGVpU0dvamNVWnBSSU5jZ1kwUnBiTGlyV1Q0amFpN0RMX2NhZzFKb0NJVks5TnhnTmVZc1djbngxOTJuazA2a0NhZU04dlJfTldIdEJWX2h4WktiSWIyaW1wSXB1bmthZjJZYUlZc0tUTU80R3BSVGRsbkwtU2FZLUQxWXZXR0RmNXZ0NDdYbjJYaWc4dmtFbmtHb2dJZw?oc=5) · The Business Journals
- 2021-10-09 [L. Vance Obituary (1942 - 2013) - Rockledge, FL - FloridaToday - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPLThvaTRtX2VGSENOamh2YWxXZ3ctazFXNGtZWnVjTk50WEdPUUZ1cnNFNmhLRWx0UF95N1RpSXRPOE5XekNJbTEzSkxSSXJwT0JvbTl3bnlNeV9DRERKUkpncFYwU0dLNXdFUF9QYUJYQlJ0UktBSmJKbVhudGRUTmw5UEE1NWx2aGlF?oc=5) · legacy.com
- 2018-08-30 [What's open and what's closed on Labor Day 2018 in Brevard - Florida Today](https://news.google.com/rss/articles/CBMioAFBVV95cUxOa3FGVzdMNDA4anRDOUVDZVQxbWxCS3BjeHFGZkFacWtwbWZmdDVPYXlrbDZDcXkzV0tjNWQ0ZHZNX01LZlpQXzZqRThtU2tobnJwUFBvNngyYmY3UU03YVhLRXpuZGdPNnhuSGs3YmJMZUllemdTY2M5X3JmR3BCdjFCSE11NGowaXVETTEwNHdPMmdzN0l4bjNlWkdNTVF1?oc=5) · Florida Today
- 2021-10-30 [Christina Buffkin Obituary (1944 - 2017) - Merritt Island, FL - FloridaToday - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOUnNzUjBXM3dFTTVuenpGNHhzNUFBU09IRDdLOGRRRHJHNWtYa1pDbFFsWHpGMnpuMFB6Y3NUNGxLZWU1LVN3UXhFVHJCZmFEZHRmSkFiX2VQck9BNzF6bzZUYWxfRUp1SWdTTFA4OURFUnc2WFRDRzBmR3pUNVZFMTZXclpsM3M5OWxnazRSbEdMeTNPNFdj?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35212 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/12.json (key "35212", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide