CB&S Bank, Inc.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
CB&S Bank, Inc. spends more to run itself than most banks of its size. Its balance sheet stood at $3.1 billion at June 30, 2026, up 9.1% from a year earlier; it is based in Russellville, Alabama. It spends about 77 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also carries problem assets equal to 23.5% of the capital and reserves that would absorb them, 6.6 times the median of 3.6% for banks its size.
Earnings jumped: net income for the quarter was $5.1 million, 115% above the same quarter a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.15% of loans from 2.56%. Profitability lags: it earns about $0.63 a year on every $100 of assets, about half the median of $1.29 for banks its size.
As of June 30, 2026, CB&S Bank, Inc. reported a return on assets of 0.63%, a nonperforming-loan ratio of 1.15% and a Texas ratio of 23.48%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 201 Jackson Ave S, Russellville, AL 35653
- County
- Franklin
- Metro Area
- Russellville, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Former names
- Citizens Bank & Savings Company (1990-2008); Citizens Bank & Savings Co. (1972-1990)
- Offices
- 58 domestic
- Employees (FTE)
- 596
- Domestic deposits
- $2.61B
- Allowance for credit losses
- $19.1M
- Net charge-offs (YTD)
- $383K
- Average total assets
- $3.21B
- Average total loans
- $1.73B
- Average interest-bearing deposits
- $2.09B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- December 6, 1935
- FDIC Cert
- 15310
- Fed RSSD
- 594433
- Website
- www.cbsbank.com →
- Parent Holding Company
- CBS BANC-CORP. (RSSD 1493654)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full CB&S Bank, Inc. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for CB&S Bank, Inc.: Texas Ratio.
Banks merged into CB&S Bank, Inc.
- Citizens Bank & Trust, Inc., effective April 1, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.42% | 0.63% | 1.15% | 23.48% | 3.36% |
| Q1 2026 | 10.22% | 0.71% | 0.94% | 25.03% | 3.24% |
| Q4 2025 | 10.96% | 1.22% | 0.97% | 21.33% | 3.31% |
| Q3 2025 | 10.87% | 0.91% | 2.45% | 25.63% | 3.25% |
| Q2 2025 | 10.75% | 0.32% | 2.56% | 30.22% | 3.11% |
| Q1 2025 | 10.94% | 0.72% | 1.59% | 18.40% | 3.11% |
| Q4 2024 | 11.13% | 0.92% | 1.53% | 19.32% | 3.52% |
| Q3 2024 | 10.98% | 0.78% | 1.85% | 17.48% | 3.07% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 58 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| CB&S Bank, Inc. (main office) | Russellville , AL | 35653 | $279.0M |
| Moulton Branch | Moulton , AL | 35650 | $117.3M |
| Greenwood Main Branch | Greenwood , MS | 38930 | $105.8M |
| Citizens Bank & Trust, Inc. Branch | Trenton , GA | 30752 | $90.4M |
| Red Bay Branch | Red Bay , AL | 35582 | $88.6M |
| Florence Hough Road Branch | Florence , AL | 35630 | $77.6M |
| Muscle Shoals Branch | Muscle Shoals , AL | 35661 | $77.5M |
| Center Star Branch | Killen , AL | 35645 | $75.5M |
| Chantilly Parkway Branch | Pike Road , AL | 36064 | $70.2M |
| Tuscaloosa 2 Branch | Tuscaloosa , AL | 35401 | $67.9M |
| Fayetteville Branch | Fayetteville , TN | 37334 | $67.7M |
| Community South Bank Branch | Parsons , TN | 38363 | $57.9M |
| Clarksdale Main Branch | Clarksdale , MS | 38614 | $57.4M |
| Greenville Main Branch | Greenville , MS | 38701 | $57.1M |
| Gilmer Avenue Branch | Tallassee , AL | 36078 | $55.7M |
| 12-25 Industrial Branch | Starkville , MS | 39759 | $53.2M |
| Savannah Branch | Savannah , TN | 38372 | $50.5M |
| Pulaski Branch | Pulaski , TN | 38478 | $49.8M |
| Mountain Brook Branch | Mountain Brook , AL | 35223 | $48.6M |
| The Bank of BolivarBranch | Bolivar , TN | 38008 | $47.1M |
| Adamsville Branch | Adamsville , TN | 38310 | $42.3M |
| Hohenwald Branch | Hohenwald , TN | 38462 | $41.8M |
| Phil Campbell Branch | Phil Campbell , AL | 35581 | $40.7M |
| Ripley Branch | Ripley , MS | 38663 | $39.9M |
| Huntsville Downtown Branch | Huntsville , AL | 35801 | $37.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2026 | Structure Change | Acquired Citizens Bank & Trust, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2019 | Structure Change | Acquired PrimeSouth Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 24, 2013 | Structure Change | Acquired Community South Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 23, 2013 | Merger | Participated in FDIC Assisted Merger | FDIC |
| May 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 29, 2006 | Structure Change | Acquired Farmers Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 25, 2005 | Structure Change | Acquired The Bank of Bolivar Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 24, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 2000 | Structure Change | Acquired The Bank of Falkner Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 29, 2000 | Merger | Participated in FDIC Assisted Merger | FDIC |
| April 1, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1993 | Structure Change | Acquired First State Bank of Franklin County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 19, 1990 | Structure Change | Acquired Phenix FS&LA F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 15 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for CB&S Bank, Inc., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.0% of deposits in AL, rank 19 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $36K approved, $36K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about CB&S Bank, Inc.
What are CB&S Bank, Inc.'s total assets?
As of the Q2 2026 filing, CB&S Bank, Inc. reported total assets of $3.07 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is CB&S Bank, Inc. headquartered?
CB&S Bank, Inc. is headquartered in Russellville, AL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was CB&S Bank, Inc. founded?
CB&S Bank, Inc. was established in 1906, per the FDIC institution directory.
Is CB&S Bank, Inc. FDIC-insured?
Yes. CB&S Bank, Inc. is an FDIC-insured commercial bank (FDIC Certificate #15310). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates CB&S Bank, Inc.?
CB&S Bank, Inc.'s primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does CB&S Bank, Inc. operate?
CB&S Bank, Inc. operates 58 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is CB&S Bank, Inc.'s Texas Ratio?
CB&S Bank, Inc.'s Texas Ratio is 23.48% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was CB&S Bank, Inc. previously called?
The charter now named CB&S Bank, Inc. has also operated as Citizens Bank & Savings Company (1990-2008), Citizens Bank & Savings Co. (1972-1990), per FDIC structure-change records.
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