Community Bank Of The South is a bank based in Merritt Island, Florida, established in 1999, with $252 million in total assets across 3 branches. By Trust Grade it ranks 68th of 83 banks we track in Florida. Its capital ratio of 7.9% trails most similarly sized banks (14th percentile), versus a Florida median of 9.3%. It was profitable over the most recent period, with a 0.77% return on assets. No consumer complaints against Community Bank Of The South appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Community Bank Of The South compares to Florida peers
How we graded Community Bank Of The South
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.9% capital ratio)
- Profitable (ROA 0.77%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Community Bank Of The South over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 2321 Highway 524, Cocoa, FL 32926
- 1902 S Fiske Blvd, Rockledge, FL 32955
- 277 N Sykes Creek Pkwy, Merritt Island, FL 32953
Are deposits at Community Bank Of The South insured?
Yes. Community Bank Of The South is an FDIC-insured bank (FDIC certificate #35212). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Community Bank Of The South: frequently asked questions
Is Community Bank Of The South a good bank?
Community Bank Of The South earns a Bankzia Trust Grade of B (88/100, "Strong"), based on a financial-strength score of 88/100 (it has no CFPB complaints on record). Well-capitalized (7.9% capital ratio); Profitable (ROA 0.77%).
Is Community Bank Of The South FDIC-insured?
Yes. Community Bank Of The South is a FDIC-insured bank (FDIC certificate #35212). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Community Bank Of The South?
Community Bank Of The South holds $252 million in total assets, ranking 68th of 83 banks we track in Florida. It operates 3 branches.
Does Community Bank Of The South have CFPB complaints?
No CFPB complaints against Community Bank Of The South appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
