CB&S Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks CB&S Bank, Inc. of Russellville, AL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.63% | 1.46% | -0.83% | 13th bottom |
| ROAE | 11.95% | 12.72% | -0.77% | 48th below |
| Net Interest Margin | 3.36% | 3.85% | -0.49% | 29th below |
| Efficiency Ratio | 76.54% | 57.38% | +19.16% | 10th bottom |
| PPNR / Avg Assets | 0.84% | 1.88% | -1.04% | 10th bottom |
| Yield on Earning Assets | 5.19% | 5.72% | -0.53% | 29th below |
| Cost of Funds | 1.97% | 2.02% | -0.05% | 53rd above |
| Net Interest Spread | 2.85% | 3.18% | -0.33% | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.26% | 1.00% | +0.26% | 25th below |
| NPA / Total Assets | 1.38% | 0.76% | +0.62% | 14th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.43% | -0.35% | 34th below |
| ACL / Total Loans | 1.11% | 1.31% | -0.20% | 43rd below |
| ACL / NPLs (Coverage) | 87.74% | 543.91% | -456.17% | 24th bottom |
| Texas Ratio | 24.63% | 7.37% | +17.26% | 4th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 310.18% | 619.04% | -308.86% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.42% | 11.44% | -1.02% | 49th below |
| Equity / Assets | 6.13% | 11.34% | -5.21% | 1st bottom |
| TCE / Tangible Assets | 5.05% | 10.51% | -5.46% | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.06% | 86.98% | -20.92% | 89th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.96% | 85.55% | +1.41% | 41st below |
| Uninsured Deposit Ratio | 31.10% | 33.12% | -2.02% | 50th above |
| Wholesale Funding Ratio | 8.02% | 5.70% | +2.32% | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.12% | 9.68% | -0.56% | 73rd above |
| Loan Growth (Y/Y) | 14.04% | 8.05% | +5.99% | 84th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.49% | 7.87% | -0.38% | 65th above |
See CB&S Bank, Inc.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock CB&S Bank, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full CB&S Bank, Inc. profile, how to read a UBPR, or how this data updates.