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Cb&S Bank, Inc.
Russellville, AL · FDIC Certificate #15310 · Chartered 01/0
Total assets
$3.07B
Total deposits
$2.61B
Total equity
$188.27M
Net loans
$1.70B
Branches (offices)
58
Net income (YTD)
$10.57M
Rank: #416 of 4,213 U.S. banks by assets · #4 of 93 in Alabama. Assets changed 9.1% and deposits 7.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.71% |
| Return on equity | 12.21% |
| Net interest margin (YTD) | 3.57% |
| Equity to assets | 6.13% |
| Tier 1 leverage ratio | 10.42% |
| Uninsured deposits (share of deposits) | 31.1% |
| Noncurrent loans (share of loans) | 1.15% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 65.3% |
| Real estate loans (share of loans) | 77.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.32B | 77.7% | |
| Commercial & industrial | $189.59M | 11.1% | |
| Consumer / individual | $40.68M | 2.4% | |
| Construction & development | $270.64M | 15.9% | |
| Agricultural | $14.13M | 0.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.40B | $2.19B | $12.27M | $120.49M |
| Jun 2023 | $2.46B | $2.18B | $11.78M | $109.54M |
| Jun 2024 | $2.60B | $2.23B | $8.81M | $124.76M |
| Jun 2025 | $2.81B | $2.43B | $7.58M | $140.53M |
| Jun 2026 | $3.07B | $2.61B | $10.57M | $188.27M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $1.50B | 28 |
| Tennessee | $533.27M | 16 |
| Mississippi | $477.26M | 12 |
| Georgia | $99.53M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.61B.
Similar-sized banks
Penn Community Bank ($3.07B) · Midwest Bankcentre ($3.07B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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