Bank of the South

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

Bank of the South is headquartered in Pensacola and is the 100th largest bank in the state of Florida. It is also the 4,344th largest bank in the nation. It was established in 1964 and as of March of 2020, 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 - YTD0.05%
Return on Equity - YTD0.27%
Annual Interest Income$463.00K
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$73.8MM$78.0MM
LoansQ1 2020vs Q1 2019$25.6MM$24.6MM
DepositsQ1 2020vs Q1 2019$59.1MM$63.8MM
Equity CapitalQ1 2020vs Q1 2019$14.7MM$14.2MM
Loan Loss AllowanceQ1 2020vs Q1 2019$267.00K$261.00K
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$0$0
Real Estate OwnedQ1 2020vs Q1 2019$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 Account
0.10%--Regular Savings Account
0.10%--Minor Savings Account

Bank of the South Money Market Rates

0.10%*$2.5k*-Money Market Deposit Account
OTHER TIERS: 0.05% Up to $2.5k

Bank of the South Checking Account Rates

0.05%--Interest Checking Account

Bank of the South CD Rates

0.50%--12 Month CD
0.25%--6 Month CD
0.20%--3 Month CD

Bank of the South IRA Rates

0.50%--12 Month IRA
0.25%--6 Month IRA
0.20%--3 Month IRA

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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