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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.97% | 0.77% | 0.34% | 0.97% | 1.30% | 0.75% | 0.68% | +34 bps | |
| Return on Equity | 15.27% | 17.52% | 14.99% | 6.60% | 17.84% | 21.69% | 13.23% | 11.95% | +535 bps | |
| Net Interest Margin | 2.82% | 3.26% | 2.88% | 2.89% | 3.04% | 3.09% | 3.01% | 3.12% | +23 bps | |
| Efficiency Ratio | 68.88% | 66.62% | 73.80% | 74.00% | 71.18% | 65.14% | 73.25% | 77.81% | +381 bps | |
| Non-Interest Burden | 1.69% | 1.88% | 1.95% | 1.95% | 1.93% | 1.76% | 2.02% | 2.25% | +29 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 | 0.31% | 0.11% | 0.05% | 0.03% | 0.06% | 0.14% | 0.01% | 0.08% | +5 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 | |