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Overview / Commentary
3340 South Florida Avenue
Lakeland, FL 33803

Community Southern Bank is headquartered in Lakeland and is the 102nd largest bank in the state of Florida. It is also the 2,679th largest bank in the nation. It was established in 2006 and as of March of 2014, it had grown to 46 employees at 3 locations. Community Southern Bank has a A+ health rating.

Reviews (1)

Friendly, Reasonable, Up-Front

What a contrast to my previous bank!  Community Southern has made every effort to accomodate my needs and make it easy for us to do business with them.  Their closest branch is 20 miles further than my current bank but they've come to see me for all the paperwork and setup.  Looking forward to a long relationship with them!


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 $887,000 in non-current loans and owned real-estate with $27.09 million in equity and loan loss allowances on hand to cover it. This gives Community Southern Bank a Texas Ratio of 3.27% 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 5.62% as of March 31, 2013 to 3.27% as of March 31, 2014, resulting in a positive change of 41.77%.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 $20.1 million, resulting in 12.59% 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 $236.77 million in assets with $27.09 million in equity, resulting in a capitalization level of 11.44%, which is excellent.

Institution Statistics

FDIC Certificate #58313
Year Established2006
Primary RegulatorFDIC
Assets and Liabilities
Assets$236.77 million
Loans$152.49 million
Deposits$179.81 million
Equity Capital$25.31 million
Loan Loss Allowance$1.78 million
Unbacked Noncurrent Loans$887,000
Real Estate Owned$0
Historic Data - March 2013
Assets$211.71 million
Equity Capital$26.92 million
Loan Loss Allowance$1.68 million
Unbacked Noncurrent Loans$887,000
Real Estate Owned$100,000
Profit Margin - Quarterly
Net Interest Margin3.17%
Return on Assets0.32%
Return on Equity2.94%
Interest Income$2.11 million

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Community Southern Bank Locations
Bartow Branch101 West Main StreetBartow, FL 33830
Community Southern Bank3340 South Florida AvenueLakeland, FL 33803
Winter Haven Branch6900 Cypress Gardens BoulevardWinter Haven, FL 33884