Community Southern Bank


3340 South Florida Avenue
Lakeland, FL 33803
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Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Community Southern Bank is an FDIC insured institution located in Lakeland, FL. It was founded in 2006 and has approximately $0.25 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58313
Date Established 2006
Assets $ 250.72 million
Loans $ 168.43 million
Deposits $ 189.48 million
Capital $ 27.92 million

For a more detailed analysis of Community Southern Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - April 15, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - April 15, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Community Southern Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

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2.422% 2.375% 0.63 $1,562 $972 Learn More
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2.685% 2.625% 0.75 $1,975 $1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

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0.000 %
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Third Federal Savings and Loan
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2.240 %
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
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2.990 %
After Intro: 3.750 %
Intro Period: 12 months
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Note to Community Southern Bank
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Financial Details

Community Southern Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community Southern Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Community Southern Bank U.S. Bank Average
2.07% 5.49%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2020, Community Southern Bank had $565,000 in non-current loans and $50,000 in owned real estate. To cover these potential losses it had $27,922,000 in equity and $1,792,000 in loans loss reserves. That gives it a Texas Ratio of 2.07%.

Return on Equity
Community Southern Bank U.S. Bank Average
4.13% 9.24%

Community Southern Bank has a Return on Equity of 4.13% versus the BestCashCow average of 9.24%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Community Southern Bank U.S. Bank Average
11.14% 11.96%

Community Southern Bank has a Capitalization of 11.14% versus the BestCashCow average of 11.96. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Community Southern Bank Balance Sheet Analysis

As of March 31, 2015, Community Southern Bank had assets of $250,717,000, loans of $168,434,000, and deposits of $189,481,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2020
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 168.43 million
Loan loss allowance $ 1.79 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.05 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 189.48 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 250.72 million

Summary Income Statement

December 31, 2020
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Community Southern Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and Commercial and Industrial Loans.

Compared to other banks in Florida, Community Southern Bank has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 19.25
Credit Card Loans 0.00
Consumer Auto Loans 0.04
Small Business Loans 21.19
Construction and Development Loans 9.26
Commercial Real Estate 47.82
Commercial and Industrial Loans 21.18
Farm Loans 0.17

Frequently Asked Questions About Community Southern Bank

Branches and Savings

Is Community Southern Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58313.

Why does Community Southern Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Community Southern Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Community Southern Bank a commercial bank?


Where are Community Southern Bank locations?

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Is Community Southern Bank open on Saturdays?

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Does Community Southern Bank offer mortgages?

Compare mortgage rates here.

Does Community Southern Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Community Southern Bank offer personal loans?

Compare personal loan rates here.

Does Community Southern Bank offer student loans?

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Background on The Bank

Who owns Community Southern Bank?

How long has Community Southern Bank been around?

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