BanksCB&S BANK, INC.

CB&S BANK, INC.

RUSSELLVILLE, ALLargeEst. Jan. 1, 1906, midnightFDIC #15310RSSD #594433FDIC
Latest · 2025-12-31

CB&S BANK, INC. is an 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%. CET1 capital ratio: 5.32%, below the well-capitalized threshold. NPL ratio: 0.97% · Texas Ratio: 18.47%. Operates 55 domestic branches.

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 Margin3.56%
Yield on Assets5.71%
Cost of Funds2.13%

Asset Quality

NPL Ratio0.97%
Net Charge-Off Ratio0.07%
Texas Ratio18.47%
NPA Ratio1.26%
ACL / Loans1.11%

Capital & Liquidity

CET1 Ratio5.32%
Tier 1 Capital5.32%
Total Capital Ratio5.59%
Leverage Ratio10.96%
Loan-to-Deposit64.97%

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