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CB&S Bank, Inc.

Russellville, AL
IDRSSD: 594433
Total Assets
$2.83B
Latest filing
Total Deposits
$2.42B
Latest filing
Net Interest Margin
3.53%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1906
Community BankNo
Ownership TypeNot Mutual
ZIP35653
State and County Number01059
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number06
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameN/A

Operational Info

Number of Employees567
Domestic Offices54
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance12/06/1935
Primary Insurance AgencyDIF
Websitewww.cbsbank.com
Data Updated11/14/2025
CERT15310
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$2.83B
Total Deposits$2.42B
Total Liabilities$2.67B
Total Equity Capital$165.18M
Net Income$6.82M
Net Loans and Leases$1.55B
Assets Per Employee ($Millions)$4.85M
Bank Premises and Fixed Assets$46.95M
Cash and Balances due from Depository Institutions$177.26M
Deposits Held in Domestic Offices$2.42B

Key Performance Ratios

Return on Assets (ROA)0.97%
Return on Equity (ROE)17.84%
Net Interest Margin3.53%
Efficiency Ratio71.18%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets5.832%
Earning Assets to total Assets90.93%

Income and Expense

Total Interest Income$36.45M
Total Noninterest Income$5.77M
Total Interest Expense$13.85M
Total Noninterest Expense$20.25M
Net Interest Income$22.59M
Pre-tax Net Operating Income$8.12M
Provision for Credit Losses$0
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$2.08M
Other borrowed funds$220.00M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$2.35M
All Other Liabilities$23.67M
Total Liabilities and Capital$2.83B

Securities

Securities$889.62M
Available-for-sale debt securities$889.62M
Equity securities with readily determinable fair values not held for trading$0
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.?
$2.83B 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?
3.53%.
How many domestic offices does it operate?
54.
When was it established?
01/01/1906.
What is the Return on Assets (ROA)?
0.97%.
How much are total loans and leases?
$1.55B (latest filing).
What is the total interest income (latest filing)?
$36.45M.