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3333 Riverwood Pkwy Southeas
Atlanta, GA 30339

Community & Southern Bank is headquartered in Atlanta and is the 6th largest bank in the state of Georgia. It is also the 272nd largest bank in the nation. It was established in 2010 and as of March of 2014, it had grown to 530 employees at 38 locations. Community & Southern Bank's money market rates are 2X the national average, and it boasts a A+ health rating.

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This bank was decent while it was W Ga National Bank. Then it became First National. Still, acceptable. Good online banking, nice LOCAL people. Then, when it was shut down and reopened as Community & Southern it has steadly gone downhill. The online banking is USELESS and very old looking. It's almost like they went back 25 years with it. They are not local anymore. They do not fix things when things go wrong. They are hard to get in touch with. The only good thing is deposits are posted that day up until 4pm..unlike most banks...which have 2pm cutoffs. I am moving my money to Suntrust Bank. Not a local bank, but one that seems to be more current with their products. I hate hate hate hate hate this bank. It makes my blood boil to log onto their website.

It only gets 1 star because I have to give it one. but really, this is a no star bank.

How Do You Trust A New Bank?

My husband and I were with The People's Bank for over 9 years, it had existed for over 70 years in Winder, GA. I was never happier with a bank in my 50 years, then the rug was pulled out from under us. I already don't like the way Community & Southern runs things; for example, they sent new debit/credit cards and turned off our old cards without making sure we had activated our new cards...that was loads of fun at the gas pump. Another example, we use to get credit points on our debit/credit cards that we could use towards merchandise etc., when I asked if that was going to continue, no one could tell me. They also couldn't tell me if any of the rates were going to change. They don't know what is going to happen. Poor communication between the Executives and the Branch Managers, makes me very nervous. This bank has swallowed at least 3 banks here in Georgia and no one really knows anything about this institution. They don't talk to their customers or community leaders with an open house forum or anything. The whole thing makes us People's Bank customers very nervous.

This Bank's On Line Banking Website Has Improved.

They have made some progress. I have not checked all the features though...

Community And Southern Bank

Community & Southern Bank is one of the best banks I have ever had the pleasure to bank with.  I greatly appreciate their professional yet personal touch to banking.  I find that not only is the banking division well tuned and operated, their mortgage division is incredible.  It is unfortunate that people that have a bad experience with one person would condemn the entire bank.  I highly recommend the Ashford Dunwoody location as well as the Riverwood location.



Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Community & Southern Bank had $35.82 million in non-current loans and owned real-estate with $390.25 million in equity and loan loss allowances on hand to cover it. This gives Community & Southern Bank a Texas Ratio of 9.18% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Community & Southern Bank decreased dramatically from 18.90% as of March 31, 2013 to 9.18% as of March 31, 2014, resulting in a positive change of 51.43%.This indicates that the balance sheet and financial strength for Community & Southern Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Community & Southern Bank has increased its total deposits by $212.74 million, resulting in 10.3% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community & Southern Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community & Southern Bank has $2.81 billion in assets with $390.25 million in equity, resulting in a capitalization level of 13.87%, which is excellent.

Institution Statistics

FDIC Certificate #59010
Year Established2010
Primary RegulatorFDIC
Assets and Liabilities
Assets$2.81 billion
Loans$1.87 billion
Deposits$2.28 billion
Equity Capital$358.62 million
Loan Loss Allowance$31.63 million
Unbacked Noncurrent Loans$34.77 million
Real Estate Owned$1.06 million
Historic Data - March 2013
Assets$2.56 billion
Equity Capital$348.85 million
Loan Loss Allowance$35.34 million
Unbacked Noncurrent Loans$34.77 million
Real Estate Owned$2.10 million
Profit Margin - Quarterly
Net Interest Margin5.66%
Return on Assets0.05%
Return on Equity0.38%
Interest Income$37.94 million
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Community & Southern Bank Savings Account Rates

0.50%-$50kKasasa Saver - Qualifying
0.05%--Kasasa Saver - Non Qualifying

Community & Southern Bank Money Market Rates

1.00%$15k-Business Alliance Money Market - 1st 180 Days (New Money)

Community & Southern Bank Checking Account Rates

2.01%-$25kKasasa Cash - Qualifying
0.05%--Kasasa Cash - Non Qualifying

Community & Southern Bank has 34 locations. Click to view all Community & Southern Bank locations.