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This institution is no longer active

Operations ceased on April 16, 2016. CRA examination history below reflects the period it was active.

COMMUNITY BANK OF THE SOUTH

SMYRNA, GA · Supervised by FDIC

Est. 1999FDIC #35,036RSSD: FDIC-35036
Part ofCBS FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: December 2013

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.94%

Institution Profile

FDIC BankFind

Address

3016 Atlanta Road, SMYRNA, GA

County

Cobb County

Established

August 2, 1999

Total Assets

$378M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2013

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 12 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2016Call Report / FDIC

Total Assets

$378M

Total Deposits

$333M

Net Loans

$297M

Net Income

$2M

ROA

1.94%

ROE

18.90%

Risk-Based Capital

13.75%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2001

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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