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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.69% | 0.85% | 0.75% | 0.71% | +16 bps | |
| Return on Equity | 10.86% | 13.15% | 15.55% | 13.23% | 12.21% | +135 bps | |
| Net Interest Margin | 2.86% | 2.90% | 2.91% | 3.01% | 3.01% | +15 bps | |
| Efficiency Ratio | 73.90% | 72.94% | 70.88% | 73.25% | 75.65% | +175 bps | |
| Non-Interest Burden | 1.93% | 1.92% | 1.86% | 2.02% | 2.09% | +15 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.18% | 6.19% | 7.36% | 5.92% | 9.12% | +94 bps | |
| Loan Growth (YoY) | 19.89% | 19.85% | 10.29% | 12.23% | 14.04% | -585 bps | |
| Deposit Growth (YoY) | 9.03% | 7.12% | 6.53% | 5.33% | 7.49% | -154 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.56% | 2.45% | 0.97% | 0.94% | 1.15% | -141 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.05% | 0.07% | 0.01% | 0.04% | +1 bps | |
| Allowance / Loans | 1.27% | 1.21% | 1.11% | 1.10% | 1.11% | -16 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 1.1x | 1.2x | 1.0x | +0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.75% | 10.87% | 10.96% | 10.22% | 10.42% | -33 bps | |
| Total Risk-Based Capital | 10.75% | 10.87% | 10.96% | 10.22% | 10.42% | -33 bps | |
| Equity / Assets | 5.00% | 5.83% | 6.19% | 5.20% | 6.13% | +114 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.27% | 64.65% | 64.97% | 65.63% | 66.06% | +380 bps | |
| Liquid Assets / Assets | 6.60% | 4.93% | 5.20% | 5.03% | 3.70% | -290 bps | |
| CRE / Total Capital | n/a | 277% | 268% | 284% | n/a | n/a | |