CB&S Bank, Inc.
Russellville, AL
IDRSSD: 594433
Total Assets
$2.88B
Latest filing
Total Deposits
$2.42B
Latest filing
Net Interest Margin
3.61%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
062201559RUSSELLVILLE, AL
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
CB&S Bank, Inc.
201 Jackson Ave S
Russellville, AL 35653
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1906FDIC Certificate 9650
Branches (54)
Page 1 of 8| Name | Address | City / State |
|---|---|---|
| CB&S Bank, Inc. (Main) | 201 Jackson Ave S | Russellville, AL |
| FARMERS BANK/BRANCH | 131 S Main St | Cornersville, TN |
| PHIL CAMPBELL BRANCH | 3571 Broad St | Phil Campbell, AL |
| TALLASSEE MAIN STREET BRANCH | 301 Main St | Tallassee, AL |
| COMMUNITY SOUTH BANK BRANCH | 51 W Main St | Parsons, TN |
| HOHENWALD BRANCH | 30 W Main St | Hohenwald, TN |
| RIPLEY BRANCH | 14331 Highway 15 N | Ripley, MS |
| WALNUT BRANCH | 28171 Highway 15 | Walnut, MS |
Showing 7 of 54
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Valley State Bank
Russellville, Alabama
→
Assets: $157.68MΔ -94.4%
Bank Independent
Sheffield, Alabama
→
Assets: $2.86BΔ +1.0%
Bryant Bank
Tuscaloosa, Alabama
→
Assets: $2.68BΔ -5.2%
Oakworth Capital Bank
Birmingham, Alabama
→
Assets: $1.92BΔ -32.1%
River Bank & Trust
Prattville, Alabama
→
Assets: $3.84BΔ +35.7%
Troy Bank & Trust Company
Troy, Alabama
→
Assets: $1.61BΔ -43.2%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1906 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 35653 |
| State and County Number | 01059 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 584 |
| Domestic Offices | 55 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/06/1935 |
| Primary Insurance Agency | DIF |
| Website | www.cbsbank.com |
| Data Updated | 01/30/2026 |
| CERT | 15310 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.88B |
| Total Deposits | $2.42B |
| Total Liabilities | $2.70B |
| Total Equity Capital | $178.06M |
| Net Income | $9.30M |
| Net Loans and Leases | $1.56B |
| Assets Per Employee ($Millions) | $5.09M |
| Bank Premises and Fixed Assets | $46.44M |
| Cash and Balances due from Depository Institutions | $186.58M |
| Deposits Held in Domestic Offices | $2.42B |
Key Performance Ratios
| Return on Assets (ROA) | 1.3% |
| Return on Equity (ROE) | 21.69% |
| Net Interest Margin | 3.61% |
| Efficiency Ratio | 65.14% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.18% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.187% |
| Earning Assets to total Assets | 90.4% |
Income and Expense
| Total Interest Income | $37.53M |
| Total Noninterest Income | $5.31M |
| Total Interest Expense | $14.14M |
| Total Noninterest Expense | $18.75M |
| Net Interest Income | $23.39M |
| Pre-tax Net Operating Income | $11.21M |
| Provision for Credit Losses | $-1,262,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $20.84M |
| Other borrowed funds | $250.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $2.33M |
| All Other Liabilities | $22.83M |
| Total Liabilities and Capital | $2.88B |
Securities
| Securities | $894.34M |
| Available-for-sale debt securities | $894.34M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of CB&S Bank, Inc.?
$2.88B as of the latest filing.
How much are CB&S Bank, Inc.'s total deposits?
$2.42B in total deposits.
Where is CB&S Bank, Inc. located?
Russellville, AL.
What is the Net Interest Margin?
3.61%.
How many domestic offices does it operate?
55.
When was it established?
01/01/1906.
What is the Return on Assets (ROA)?
1.3%.
How much are total loans and leases?
$1.56B (latest filing).
What is the total interest income (latest filing)?
$37.53M.