Russellville, AL · Cert 15310 · CBS Banc-Corp
State charter, non-member · FDIC · 58 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
8
Asset Quality
43
Profitability
22
Liquidity
0
Efficiency
9
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Russellville, AL · Cert 15310 · CBS Banc-Corp
State charter, non-member · FDIC · 58 branches
Q2 2026
Market Position · Florence-Muscle Shoals, AL · 2026 SOD (annual) · 7.2% share · #4 of 16 inst. · $0.3B of $3.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.79% | 0.77% | 0.55% | 0.69% | 0.85% | 0.75% | 0.71% | +16 bps | |
| Return on Equity | 13.97% | 15.31% | 14.99% | 10.86% | 13.15% | 15.55% | 13.23% | 12.21% | +135 bps | |
| Net Interest Margin | 2.72% | 2.85% | 2.88% | 2.86% | 2.90% | 2.91% | 3.01% | 3.01% | +15 bps | |
| Efficiency Ratio | 73.93% | 71.85% | 73.80% | 73.90% | 72.94% | 70.88% | 73.25% | 75.65% | +175 bps | |
| Non-Interest Burden | 1.81% | 1.82% | 1.95% | 1.93% | 1.92% | 1.86% | 2.02% | 2.09% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.24% | 5.49% | 4.85% | 8.18% | 6.19% | 7.36% | 5.92% | 9.12% | +94 bps | |
| Loan Growth (YoY) | 10.04% | 21.73% | 22.01% | 19.89% | 19.85% | 10.29% | 12.23% | 14.04% | -585 bps | |
| Deposit Growth (YoY) | 2.80% | 4.23% | 5.92% | 9.03% | 7.12% | 6.53% | 5.33% | 7.49% | -154 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.85% | 1.53% | 1.59% | 2.56% | 2.45% | 0.97% | 0.94% | 1.15% | -141 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.11% | 0.05% | 0.04% | 0.05% | 0.07% | 0.01% | 0.04% | +1 bps | |
| Allowance / Loans | 1.13% | 1.16% | 1.13% | 1.27% | 1.21% | 1.11% | 1.10% | 1.11% | -16 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.8x | 0.7x | 0.5x | 0.5x | 1.1x | 1.2x | 1.0x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.98% | 11.13% | 10.94% | 10.75% | 10.87% | 10.96% | 10.22% | 10.42% | -33 bps | |
| Total Risk-Based Capital | 10.98% | 11.13% | 10.94% | 10.75% | 10.87% | 10.96% | 10.22% | 10.42% | -33 bps | |
| Equity / Assets | 6.11% | 4.93% | 5.28% | 5.00% | 5.83% | 6.19% | 5.20% | 6.13% | +114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.79% | 62.75% | 61.60% | 62.27% | 64.65% | 64.97% | 65.63% | 66.06% | +380 bps | |
| Liquid Assets / Assets | 6.49% | 4.80% | 6.36% | 6.60% | 4.93% | 5.20% | 5.03% | 3.70% | -290 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 277% | 268% | 284% | n/a | n/a | |
Russellville, AL · Cert 15310 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · CBS Banc-Corp
State charter, non-member · FDIC · 58 branches
Q2 2026
Return on Assets
0.69%
Rank 156 of 176
Net Interest Margin
3.01%
Rank 155 of 176
Efficiency Ratio
76.00%
Rank 161 of 176
Equity / Assets
6.13%
Rank 175 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.69% | 0.93% | 1.26% | 1.54% | Beats 11% | 156 / 176 | ||
| Return on Equity | 11.23% | 9.26% | 11.89% | 14.46% | Beats 43% | 100 / 176 | ||
| Net Interest Margin | 3.01% | 3.25% | 3.59% | 3.93% | Beats 12% | 155 / 176 | ||
| Efficiency Ratio | 76.00% | 52.79% | 59.55% | 67.66% | Beats 9% | 161 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.15% | 0.30% | 0.64% | 1.32% | Beats 28% | 127 / 176 | ||
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.10% | Beats 57% | 77 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.42% | 11.15% | 12.72% | 14.15% | Beats 13% | 153 / 176 | ||
| Total Risk-Based Capital Ratio | 10.42% | 11.81% | 13.63% | 15.33% | Beats 9% | 160 / 176 | ||
| Equity / Assets | 6.13% | 9.16% | 10.35% | 11.80% | Beats 1% | 175 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.06% | 80.94% | 89.73% | 97.21% | 5th pctl | 168 / 176 | ||
| Loans / Assets | 56.14% | 69.25% | 75.12% | 80.82% | 5th pctl | 168 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||