# COMMUNITY SOUTHERN BANK
LAKELAND, FL · FDIC certificate 58313 · asset band <$300M · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $250.7M | |
| Deposits | $189.5M | |
| Loans and leases | $170.2M | |
| Total equity | $27.9M | |
| Loans / deposits | 88.89% (p82 of band) | 70.43% |
| Liquid assets / assets | 27.21% (p34 of band) | |
| Uninsured deposits / deposits | 28.02% (p90 of band) | 13.33% |
| Brokered deposits | 4.97% | |
| Wholesale funding | 17.79% (p95 of band) | |
| FHLB advances / assets | 11.58% | |
| Tier 1 leverage | 11.41% (p64 of band) | 10.49% |
| Unrealized securities loss / equity | -0.14% (p10 of band) | 1.32% |
| AOCI / equity | 0.48% (p49 of band) | |
| ROA (annualized) | 0.46% (p27 of band) | 0.80% |
| Net interest margin | 3.14% (p26 of band) | 3.57% |
| Efficiency ratio | 77.63% (p59 of band) | |
| Noncurrent loans | 0.33% (p33 of band) | 0.77% |
| Net charge-offs (annualized) | 0.00% (p31 of band) | |
| Reserve coverage of noncurrent | 317.17% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 55.84% (p85 of band) | |
| Auto loans | $72,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.4% | |
| Employees | 44 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  | reserve under noncurrent, construction >100% equity |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | brokered >10% |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 1 |  |  |

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

- 2011-11-17 [Community Southern Bank to Open Winter Haven Branch - Lakeland Ledger](https://news.google.com/rss/articles/CBMisgFBVV95cUxPSGRtcm5wVmI3UWNaTkgyNjFLbjVGb19nVnk0a2EtZXVFemVFQzNMejE1YUhIY24xWWRXd09ZWHBueTdCN3RKWEtCU0VpZmJzbEtrUDR2M1JOQ0VWbmNJMk1TZkE3dUo3SHB5Nk9acWlmbTgyd210N1UyN3Q3R2VPNm5MWWhHTHBwNGF2emZ1UnZtT2hMbTA1VGZGaU9HVUg0MmZQeXBtelF3NFBQUmxKUGlR?oc=5) · Lakeland Ledger
- 2019-04-22 [Prime Meridian Bank Announces Expansion to Lakeland, Florida Market - Tallahassee Reports](https://news.google.com/rss/articles/CBMirgFBVV95cUxNdkhJSlNQeWNTV0IzUnVLT1hOcnBoX25MdXpuYWRWc3lzdGNXYlU5RUFfdEFTU3FKN09sQTZPMEdGY0tVUGFDNVBUWks3SGZGMTdHWjNFZWpIR0NQS2x6T2NqT3F6SDc4TVl1RzNZcnVWOFFRQkd0amt4d3pkUVJ0Qk1yWWdCYkctTktJc2t4Z1VWQ09jazkxaktEVkVGTlJFQW5oNGk2TS14SnRDRXc?oc=5) · Tallahassee Reports
- 2014-12-22 [Ratings Say Banks Are Healthier - Lakeland Ledger](https://news.google.com/rss/articles/CBMilwFBVV95cUxOcDJQLWd4M1k0bElqcEhnRDRCODEyc1pkQm5TWjd0MjlyQjN4Sm1UVHU0M0tHOVA2WGFZeUhrZ3FkbndscVBuTGk4aUlIM2lJRk5MN0pncUU0OGZ1Vm5RUzFSMVRKZU5haW9jRE5vMS10TTlLU3BYcHFBZUxXMHVyREtIeXZtd1J6Y0x5aFp6aWVYSFY1Zk04?oc=5) · Lakeland Ledger
- 2019-04-22 [Polk banking veteran opens county's newest bank, Prime Meridian - Lakeland Ledger](https://news.google.com/rss/articles/CBMixgFBVV95cUxPa1FOSW9veWFmeU1hMzZsZTdXYjZmVlJlTWhxelJzMUU4ck5QZmlPbTh1WW12S3Z3MTlfQ2RIejZ4WGJJUVRsWFlhVVdXR2RSUGUxWXJ1VW04OGxVbGp4cERVeGxlaFBpcmNpeTAtcUdWLWNjb3RYNlVrSkZ2dVpsdWVjMmM0dmt5OWdDeXNRbmJSLVpvVi1LVElpYU1kRmZTSUxmRVVZcmZFcVVNZm5ZUkx0Y2F3cE5UODNidTE1NndWWEJNenc?oc=5) · Lakeland Ledger
- 2008-03-08 [Polk Bank Deposits Drop By 7 Percent - Lakeland Ledger](https://news.google.com/rss/articles/CBMingFBVV95cUxPSVRFZWQtU1JnY09vdTZEWlAxVjg4QnZLbVJGMTRpOFROOUp0M1hHTG9iUTdqdXNzeDVrUWljb2QtT0J3NUFuVWdSV015LW9Sc1BOR2xjNnBTQ2c3alItYXBUSlI1N1dtQi1JeVg5a2hLdFpMOWVFWmRYZkRTYXp3b3pSV1Rtc0VtYVZJWW1FRjgyN0ZYWTF5RmV2TmptUQ?oc=5) · Lakeland Ledger
- 2014-09-21 [Rising Superstar: Lakeland Banker Overcame Early Obstacles, Soared to Success - Lakeland Ledger](https://news.google.com/rss/articles/CBMiowFBVV95cUxPMjRVYlhFcHpUUURhVWI1RXIxYXg4YlJUdXVSOFlIOVd2UlhjNTlKN25FWlhtUVpzTXJIc2RVZnBNQ3ZuWTIzcDE3SWlUczlJSlV5ajRGUUVUV3ItMXRmUHNNTDI3N1hlVGlEaUYwT3RvMzlnSkdtVWg3aGM2RmFlaTQ2TFlQOXhfTnRrT29FRXVrSU8xcHlyYkh2U0VFc0ZZSzYw?oc=5) · Lakeland Ledger
- 2006-08-27 [Lakeland Mogul Adds Finance to Resume with Bank Opening - Lakeland Ledger](https://news.google.com/rss/articles/CBMitwFBVV95cUxNN2dpak9nZHMyVWI3M284cEkxSkVpc3V2NDUydXVLUmVnbjhnY1hWMFZmanNsczA3U1BMTFlkN2pUMkdHSGN3UF9iSGNqTlYzUnZCN2FlY1N5ZjBtMFU5bUdFdDk2VDQtcE92UFFhVzZ4QzZIMkFDdzN4b18zMzFXZUtlWVRkRlpqZ2U2bExuNjRjMVNlOU84NkFlQkpSbjFFelZJa3NzMi16MGRab1liMlRDWjBpeUk?oc=5) · Lakeland Ledger
- 2008-03-04 [Bartow Can-Do Club ready to begin new year - Lakeland Ledger](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQS0dhUU9MNl83NzVUVVpFT3V4M0hCOUMtOElOQlhoN0tOeUpQYVBiXzUxTFFvY1ZOOHF5dmV1UGtCYzVoZlppWjFqakNvb05Ub2tfQ1ZURU5jVEI5cmJPM1JrNEtUN3FvN3hkeTBmdWpjMVNfVmpsUUE3UEtkbWxWZ3drTWJCMHJJdFlrM3c0M1Y0LTB5cmJKbkZtTWJKSmZxYlJ6cktCeURYcUd5NFdCbTA3RjRyZThx?oc=5) · Lakeland Ledger

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58313 (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/9.json (key "58313", 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