CB&S BANK, INC.

RUSSELLVILLE, AL | Large | Est. Jan. 1, 1906, midnight | FDIC #15310 | RSSD #594433 | FDIC
Latest Report: 2025-12-31

CB&S BANK, INC. is aln large FDIC-insured commercial bank headquartered in RUSSELLVILLE, AL, established in Jan. 1, 1906, midnight. As of 2025-12-31, the bank reported total assets of $2.9B and total deposits of $2.4B. Profitability stands at 1.30% ROA and 21.69% ROE, with a net interest margin of 3.56%. The bank's CET1 capital ratio is 4.47%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 0.97% and a Texas Ratio of 18.47%. FDIC Certificate #15310.

Assets

$2.9B

Deposits

$2.4B

Loans

$1.6B

Equity

$178M

Profitability

Return on Assets (ROA) 1.30%
Return on Equity (ROE) 21.69%
Net Interest Margin (NIM) 3.56%
Yield on Assets 5.71%
Cost of Funds 2.52%

Asset Quality

NPL Ratio 0.97%
Net Charge-Off Ratio 0.07%
Texas Ratio 18.47%
NPA Ratio 1.26%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 4.47%
Tier 1 Capital 4.47%
Total Capital Ratio 4.70%
Leverage Ratio 10.96%
Loan-to-Deposit 64.97%

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