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

Bank of the South is headquartered in Pensacola and is the 114th largest bank in the state of Florida. It is also the 4,539th largest bank in the nation. It was established in 1964 and as of September of 2018, it had grown to 18 employees at 2 locations. Bank of the South has a B+ 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-0.04%
Return on Equity - YTD-0.24%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$75.9MM$80.9MM
LoansQ3 2018vs Q3 2017$23.7MM$17.8MM
DepositsQ3 2018vs Q3 2017$61.9MM$66.6MM
Equity CapitalQ3 2018vs Q3 2017$14.0MM$14.3MM
Loan Loss AllowanceQ3 2018vs Q3 2017$246.00K$190.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$0$0
Real Estate OwnedQ3 2018vs Q3 2017$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

0.60%--IRA Account
0.15%--Regular Savings Account
0.15%--Minor Savings Account

Bank of the South Money Market Rates

0.20%*$2.5k*-Money Market Deposit Account
OTHER TIERS: 0.10% Up to $2.5k

Bank of the South Checking Account Rates

0.10%--Interest Checking Account

Bank of the South CD Rates

0.60%--12 Month CD
0.40%--6 Month CD
0.25%--3 Month CD

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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