BlastPoint's Banking Scorecard
Community Bank of the South
Micro
Specialty: Other
FL
FDIC cert 35212
Designations: ✓ Community bank
Merritt Island, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
Community Bank of the South demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 43.83% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 15.51% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$257.2M
-3.2% YoY
-0.4% QoQ
|
+$39.7M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$71.1M
-2.0% YoY
-1.2% QoQ
|
-$68.1M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$231.6M
-5.1% YoY
-0.4% QoQ
|
+$48.0M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
0.91%
+8.0% YoY
+2.2% QoQ
|
-0.17% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
2.94%
+4.2% YoY
+2.4% QoQ
|
-0.91% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
58.40%
-2.7% YoY
+0.6% QoQ
|
-9.33% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
30.70%
+3.3% YoY
-0.8% QoQ
|
-43.83% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.02%
+9.2% YoY
-18.3% QoQ
|
+2.63% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
24.36%
+11.4% YoY
+1.6% QoQ
|
+15.51% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.16%
-1.5% YoY
+31.0% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
30.70%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
24.36%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
98
98th pctile
Loan-to-Deposit Ratio
Current: 30.70% · Tier avg: 74.53%
92
92th pctile
Tier 1 Capital Ratio
Current: 24.36% · Tier avg: 8.85%
72
72th pctile
Efficiency Ratio
Current: 58.40% · Tier avg: 67.73%
67
67th pctile
Total Deposits
Current: $231.6M · Tier avg: $183.7M
64
64th pctile
Total Assets
Current: $257.2M · Tier avg: $217.5M
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 25.02% · Tier avg: 22.39%
40
40th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.08%
30
30th pctile
Total Loans
Current: $71.1M · Tier avg: $139.2M
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
14
14th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.85%
Top Weaknesses
14
14th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.85%
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
30
30th pctile
Total Loans
Current: $71.1M · Tier avg: $139.2M
40
40th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.08%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 25.02% · Tier avg: 22.39%
64
64th pctile
Total Assets
Current: $257.2M · Tier avg: $217.5M
67
67th pctile
Total Deposits
Current: $231.6M · Tier avg: $183.7M
72
72th pctile
Efficiency Ratio
Current: 58.40% · Tier avg: 67.73%
92
92th pctile
Tier 1 Capital Ratio
Current: 24.36% · Tier avg: 8.85%
98
98th pctile
Loan-to-Deposit Ratio
Current: 30.70% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%