CB&S Bank, Inc.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 14.62 percentage points lower than in Q1 2026, at 193.19%. CB&S Bank, Inc. ranks 53rd of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 66.06% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. CB&S Bank, Inc. sits 22.14 points lower, at 66.06% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.72B |
| Net loans and leases | $1.70B |
| Loans held for sale | $1.1M |
| Loans to total assets | 56.14% |
| Loan-to-deposit ratio | 66.06% |
| Net loans to equity capital | 9.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.25% |
| Multifamily (5+ residential) | 4.28% |
| Commercial and industrial | 11.00% |
| Consumer | 2.36% |
| Credit cards | 0.00% |
| Farm | 1.56% |
| Loans to depository institutions | 0.48% |
| State and political subdivisions | 0.20% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 193.19% |
| Construction concentration (Tier 1 capital + allowance) | 77.29% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.88% |
| Interest income on loans | $29.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.19B | $2.20B | 38.65% | 8.56% | 2.93% |
| Q4 2023 | $1.17B | $2.18B | 42.49% | 8.28% | 2.91% |
| Q1 2024 | $1.20B | $2.25B | 42.31% | 8.98% | 2.84% |
| Q2 2024 | $1.26B | $2.23B | 41.86% | 9.94% | 2.70% |
| Q3 2024 | $1.31B | $2.26B | 40.75% | 9.66% | 2.63% |
| Q4 2024 | $1.43B | $2.28B | 41.58% | 10.67% | 2.27% |
| Q1 2025 | $1.47B | $2.38B | 39.02% | 12.35% | 2.22% |
| Q2 2025 | $1.51B | $2.43B | 36.48% | 13.90% | 2.10% |
| Q3 2025 | $1.57B | $2.42B | 36.02% | 15.37% | 2.03% |
| Q4 2025 | $1.58B | $2.42B | 35.42% | 15.10% | 2.24% |
| Q1 2026 | $1.65B | $2.51B | 33.70% | 11.64% | 1.81% |
| Q2 2026 | $1.72B | $2.61B | 31.25% | 11.00% | 2.36% |
CB&S Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock CB&S Bank, Inc., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full CB&S Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15310) · FFIEC NIC profile (RSSD 594433)