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Overview / Commentary
4410 W. Fairfield Drive
Pensacola, FL 32506

Bank of the South is headquartered in Pensacola and is the 128th largest bank in the state of Florida. It is also the 4,676th largest bank in the nation. It was established in 1964 and as of December of 2017, it had grown to 18 employees at 2 locations. Bank of the South has an A health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Bank of the South has a relatively low asset base.

Health Grade Components

FDIC Certificate #19125
Year Established1964
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.13%
Return on Equity - YTD-0.69%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$76.2MM$76.7MM
LoansQ4 2017vs Q4 2016$18.7MM$16.9MM
DepositsQ4 2017vs Q4 2016$62.0MM$62.4MM
Equity CapitalQ4 2017vs Q4 2016$14.1MM$14.3MM
Loan Loss AllowanceQ4 2017vs Q4 2016$202.00K$190.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$0$0
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bank of the South Savings Account Rates

0.50%--IRA Accounts
0.10%--Regular Savings
0.10%--Minor Savings

Bank of the South Money Market Rates

0.15%*$2,500*-Money Market Deposit Account
OTHER TIERS: 0.05% Up to $2,500

Bank of the South Checking Account Rates

0.05%--Interest Checking

Bank of the South CD Rates

0.50%$1k-12 Month Certificate
0.30%$1k-6 Month Certificate
0.15%$1k-3 Month Certificate

Bank of the South IRA Rates

0.50%$500-12 Month IRA Certificate
0.30%$500-6 Month IRA Certificate
0.15%$500-3 Month IRA Certificate

Bank of the South Locations
Island Branch136 Fort Pickens RoadPensacola Beach, FL 32561
Bank Of The South4410 W. Fairfield DrivePensacola, FL 32506

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