Community Bank of the South
Merritt Island, FL · Owner: Cbos Bankshares Inc
$266M
total assets, June 30, 2026
$266M
total assets, June 30, 2026
Community Bank of the South is a state nonmember bank based in Merritt Island, FL, owned by Cbos Bankshares Inc. As of June 30, 2026 it held $266.5 million in assets and $242.8 million in deposits; assets were up 1.6% from a year before. It has 3 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$266M
+1.6% in a year · +5.5% in a quarter
Deposits
$243M
+1.9% in a year · +6.1% in a quarter
Loans
$78.4M
+13.3% in a year · +4.2% in a quarter
Profit so far
$1.1M
Jan 1 to Jun 30, 2026 · -6.1% in a year
Capital ratio
9.49%
-0.16 pts in a year
Return on assets
0.85%
-0.03 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 277 N Sykes Creek Pkwy, Merritt Island, FL, 32953
- County
- Brevard
- Holding company
- Cbos Bankshares Inc
- Established
- Nov 29, 1999
- Employees
- 23
- Branches
- 3
- Website
- www.cbos.bank
- Id
- b35212
Quarter by quarter
December 31, 1999 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
3 offices as of June 30, 2026, holding $242.8 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Florida | 3 | $243M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Rockledge Branch | Rockledge, FL | $96.5M |
| Community Bank Of The South (main office) | Merritt Island, FL | $87.6M |
| Cocoa Commons Branch | Cocoa, FL | $58.7M |
Related pages
Questions and answers
How big is Community Bank of the South?
$266.5 million in total assets and $242.8 million in deposits as of June 30, 2026, with assets up 1.6% from a year before. Its loans were $78.4 million.
How many branches does Community Bank of the South have?
3 branches in Florida as of June 30, 2026.
Is Community Bank of the South profitable?
Yes: it earned $1.10 million from January 1 to June 30, 2026 (down 6.1% from the same months a year before). Its return on assets was 0.85% a year; about 1% is typical.
Who owns Community Bank of the South?
Community Bank of the South is owned by Cbos Bankshares Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.