2026 Overview
General Bank Information
CB&S Bank, Inc. is an FDIC insured institution located in Russellville, AL. It was founded in 1906 and has approximately $3.07 billion in assets. Customers can open an account at one of its 55 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 15310 |
| Date Established | 1906 |
| Assets | $ 3.07 billion |
| Loans | $ 1,704.04 million |
| Deposits | $ 2.61 billion |
| Capital | $ 188.27 million |
For a more detailed analysis of CB&S Bank, Inc.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - November 7, 2026
Your Current Location: Idaho, ID
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Loan Rates - November 7, 2026
Your Current Location: Idaho, ID
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Branches
CB&S Bank, Inc. branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Nampa,Idaho
CB&S Bank, Inc. Locations
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1520.69 | A | View Lobby Hours | |
| 1524.10 | B | View Lobby Hours | |
| 1524.52 | C | View Lobby Hours | |
| 1526.75 | D | View Lobby Hours | |
| 1561.43 | E | View Lobby Hours | |
| 1562.59 | F | View Lobby Hours | |
| 1562.70 | G | View Lobby Hours | |
| 1571.40 | H | View Lobby Hours | |
| 1584.17 | I | View Lobby Hours | |
| 1589.58 | J | View Lobby Hours | |
| 1590.97 | K | View Lobby Hours | |
| 1593.70 | L | View Lobby Hours | |
| 1594.84 | M | View Lobby Hours | |
| 1601.28 | N | View Lobby Hours | |
| 1602.08 | O | View Lobby Hours | |
| 1602.44 | P | View Lobby Hours | |
| 1604.46 | Q | View Lobby Hours | |
| 1604.88 | R | View Lobby Hours | |
| 1605.54 | S | View Lobby Hours | |
| 1609.13 | T | View Lobby Hours | |
| 1609.20 | U | View Lobby Hours | |
| 1609.52 | V | View Lobby Hours | |
| 1610.16 | W | View Lobby Hours | |
| 1611.95 | X | View Lobby Hours | |
| 1621.99 | Y | View Lobby Hours | |
| 1629.45 | Z | View Lobby Hours |
Climate Policy and Initiatives
CB&S Bank, Inc. is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
CB&S Bank, Inc. Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of CB&S Bank, Inc.. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| CB&S Bank, Inc. | U.S. Bank Average |
|---|---|
| 19.53% | 6.04% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of June 30, 2026, CB&S Bank, Inc. had $19,799,000 in non-current loans and $20,694,000 in owned real estate. To cover these potential losses it had $188,270,000 in equity and $19,108,000 in loans loss reserves. That gives it a Texas Ratio of 19.53%.
Return on Equity
| CB&S Bank, Inc. | U.S. Bank Average |
|---|---|
| 12.21% | 11.52% |
CB&S Bank, Inc. has a Return on Equity of 12.21% versus the BestCashCow average of 11.52%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| CB&S Bank, Inc. | U.S. Bank Average |
|---|---|
| 6.13% | 11.94% |
CB&S Bank, Inc. has a Capitalization of 6.13% versus the BestCashCow average of 11.94. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
CB&S Bank, Inc. Balance Sheet Analysis
As of June 30, 2026, CB&S Bank, Inc. had assets of $3,069,404,000, loans of $1,704,041,000, and deposits of $2,608,415,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
June 30, 2026| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 168.64 million |
| Interest-bearing balances | $ 113.49 million |
| Total securities | $ 880.39 million |
| Federal funds sold and reverse repurchase | $ 59.81 million |
| Net loans and leases | $ 1,704.04 million |
| Loan loss allowance | $ 19.11 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 20.69 million |
| Goodwill and other intangibles | $ 34.95 million |
| All other assets | $ 130.93 million |
| Total Assets | $ 2.88 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $ 2.61 billion |
| Interest-bearing deposits | $ 2.14 billion |
| Deposits held in domestic offices | $ 2.61 billion |
| % insured (estimated) | 69.02% |
| Federal funds purchased and repurchase agreements | $ 6.06 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 65.09 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 9.87 million |
| Total Liabilities | $ 2.88 billion |
| Shareholders’ Equity | $ 188.27 million |
Summary Income Statement
June 30, 2026| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 74.64 million |
| Total Interest Expense | $ 26.89 million |
| Net interest income | $ 47.75 million |
| Provision for loan and lease losses | $ 1.32 million |
| Total non interest income | $ 11.55 million |
| Total non interest expense | $ 45.06 million |
| Pre-tax Net Operating Income | $ 15.00 million |
Bank Loan Profile?
The top three loan types in CB&S Bank, Inc.’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.
Compared to other banks in Alabama, CB&S Bank, Inc. has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 13.00 | ✓ | ||
| Multifamily Mortgages |
0.91 | ✓ | ||
| Credit Card Loans | 0.13 | ✓ | ||
| Consumer Auto Loans | 0.57 | ✓ | ||
| Small Business Loans | 9.69 | ✓ | ||
| Construction and Development Loans | 12.26 | ✓ | ||
| Commercial Real Estate | 26.21 | ✓ | ||
| Commercial and Industrial Loans | 6.91 | ✓ | ||
| Farm Loans | 1.17 | ✓ | ||
Customer Reviews for CB&S Bank, Inc.
5.0 out of 5 based on 1 rating
Terry
June 7, 2018 |
Fabulous bank
Is this review helpful? Yes:1 / No: 0
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