This institution is no longer active

Operations ceased on June 30, 2015. CRA examination history below reflects the period it was active.

COMMUNITY SOUTHERN BANK

LAKELAND, FL · Supervised by FDIC

Est. 2006FDIC #58,313RSSD: FDIC-58313

Part ofCOMMUNITY S HOLDINGS INC→ View all charters

Satisfactory Same

Current rating · Exam: March 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.46%

Institution Profile

FDIC BankFind

Address

3340 South Florida Avenue, LAKELAND, FL

County

Polk County

Established

August 28, 2006

Total Assets

$251M(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

March 1, 2012

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 14 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 2015Call Report / FDIC

Total Assets

$251M

Total Deposits

$189M

Net Loans

$168M

Net Income

$286K

ROA

0.46%

ROE

4.13%

Risk-Based Capital

15.43%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2009

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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