CB&S Bank, Inc.
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Data as of · sourced from FFIEC call reports. How we update
CB&S Bank, Inc. is an FDIC-insured commercial bank headquartered in Russellville, AL, established in 1906 (FDIC certificate 15310), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.07B, up 9.1% from Q2 2025, the 4th largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.42% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15310
- Headquarters
- Russellville, AL
- Established
- 1906
- Total assets, Q2 2026
- $3.07B
- Assets vs Q2 2025
- +9.1%
- Tier 1 leverage ratio, Q2 2026
- 10.42%
- Domestic offices
- 58 FDIC institution directory, current count
- Routing number
- 062201559
- Holding company
- CBS BANC-CORP.
- Asset rank in state
- 4th of 93 in Alabama
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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, CB&S Bank, Inc. is the 4th largest of the 93 banks headquartered in Alabama. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.5% to $3.07B, loans rose 4.6% and deposits rose 3.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 24.0% of total loans, ahead of non-owner-occupied commercial real estate loans at 19.2%. Its 58 offices in the FDIC Summary of Deposits are in 48 cities across 4 states; its Russellville 3 offices book 13% of its branch deposits. Judged on its Q2 2026 call report, CB&S Bank, Inc. meets the community bank leverage ratio test for well capitalized.
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)
- Domestic offices
- 58 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, CB&S Bank, Inc. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, CB&S Bank, Inc.'s total assets ranged from $2.49B (Q3 2023) to $3.07B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.07B total assets against $2.81B; $2.88B total liabilities against $2.67B.
$1.70B net loans and leases against $1.49B; $2.61B total deposits against $2.43B.
$880.4M securities against $866.0M; $228.4M cash and balances due against $227.4M.
$38.5M total interest income against $34.6M; $13.7M total interest expense against $13.3M.
$24.8M net interest income against $21.3M.
$6.4M total noninterest income against $5.0M; $24.4M total noninterest expense against $19.6M.
$543K provision for credit losses against $3.3M.
$5.1M net income against $2.4M.
0.63% return on assets against 0.32%; 3.36% net interest margin against 3.11%.
10.42% tier 1 leverage ratio against 10.75%.
Inside the full CB&S Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCB&S Bank, Inc. rankings
Its closest position to the top of a national ranking is 116 of 3,640, for Texas Ratio; its furthest is 3,115 of 3,606, for efficiency 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
From Q3 2024 to Q2 2026, its return on assets ran from 0.32% (Q2 2025) to 1.22% (Q4 2025) and its net interest margin ran from 3.07% (Q3 2024) to 3.52% (Q4 2024).
| 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
View all 58 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 1.0% of deposits in AL, rank 19 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is CB&S Bank, Inc. headquartered?
It is headquartered in Russellville, AL, United States.
When was CB&S Bank, Inc. founded?
It was established in 1906, per the FDIC institution directory.
Is CB&S Bank, Inc. FDIC-insured?
Yes. It 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.
How many branches does CB&S Bank, Inc. operate?
It 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?
Its Texas Ratio is 23.48% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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