CB&S Bank, Inc.
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
$3.1BAssets
$1.7BLoans
$2.6BDeposits
$188.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 57% of banks $1B-$10B in assets operating regionally (rank 77 of 176).
- Widest gap: equity / assets trails 99% of banks $1B-$10B in assets operating regionally (rank 175 of 176).
- Overall: at or above the peer median on 1 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $67.0M · efficiency ratio beats 9% of banks $1B-$10B in assets operating regionally | 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 |