CB&S Bank, Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 16.71 percentage points in Q2 2026, from 104.45% to 87.74%. It was the largest change from Q1 2026 among the key lines here. CB&S Bank, Inc. ranks 76th of 93 Alabama banks on return on assets, in the lower half at 0.63% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, CB&S Bank, Inc. reported 0.63% on return on assets in Q2 2026, 0.64 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.42% |
| Equity capital to assets | 6.13% |
| Tangible equity to tangible assets | 5.05% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.26% |
| Non-performing assets ratio | 1.38% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 24.63% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 87.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.63% |
| Return on equity | 11.95% |
| Net interest margin | 3.36% |
| Efficiency ratio | 76.54% |
| Yield on earning assets | 5.19% |
| Cost of funds | 1.97% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.06% |
| Core deposits to total deposits | 86.96% |
| Brokered deposits to total deposits | 1.31% |
| Deposits to assets | 84.98% |
| Securities to assets | 28.68% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.86% | 0.70% | 3.02% | 1.66% | 0.09% |
| Q4 2023 | 10.92% | 0.88% | 3.03% | 1.96% | 0.19% |
| Q1 2024 | 10.72% | 0.68% | 2.96% | 1.80% | 0.02% |
| Q2 2024 | 10.90% | 0.58% | 2.90% | 1.75% | 0.04% |
| Q3 2024 | 10.98% | 0.78% | 3.07% | 2.01% | 0.32% |
| Q4 2024 | 11.13% | 0.92% | 3.52% | 1.67% | 0.12% |
| Q1 2025 | 10.94% | 0.72% | 3.11% | 1.73% | 0.05% |
| Q2 2025 | 10.75% | 0.32% | 3.11% | 2.69% | 0.03% |
| Q3 2025 | 10.87% | 0.91% | 3.25% | 2.54% | 0.06% |
| Q4 2025 | 10.96% | 1.22% | 3.31% | 1.10% | 0.14% |
| Q1 2026 | 10.22% | 0.71% | 3.24% | 1.06% | 0.01% |
| Q2 2026 | 10.42% | 0.63% | 3.36% | 1.26% | 0.08% |
CB&S Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock CB&S Bank, Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)