CB&S Bank, Inc.

201 South Jackson Street
Russellville, AL 35653

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 15310
Date Established 1906
Assets $1.66 billion
Loans $0.75 billion
Deposits $1.38 billion
Capital $0.20 billion

CB&S Bank, Inc. is an FDIC insured institution located in Russellville, AL. It was founded in 1906 and has approximately $1.66 billion in assets. Customers can open an account at one of its 55 branches.

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.

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 Small Business Loans.

Compared to other banks in Alabama, CB&S Bank, Inc. has a significantly higher percent of Multifamily Mortgages 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 25.55
Multifamily
Mortgages
5.32
Credit Card Loans 0.17
Consumer Auto Loans 1.05
Small Business Loans 16.06
Construction and Development Loans 12.93
Commercial Real Estate 35.06
Commercial and Industrial Loans 11.74
Farm Loans 1.92

Deposit Rates - June 17, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.20% $2,500 $249,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.15% $1,000 - Learn MoreShow Less
6 Mo CD
0.20% $1,000 - Learn MoreShow Less
12 Mo CD
0.35% $1,000 - Learn MoreShow Less
Special: 15 Mo CD
1.50% $1,000 - Learn MoreShow Less
18 Mo CD
0.35% $1,000 - Learn MoreShow Less
24 Mo CD
0.45% $1,000 - Learn MoreShow Less
30 Mo CD
0.45% $1,000 - Learn MoreShow Less
Special: 35 Mo CD
2.25% $1,000 - Learn MoreShow Less
36 Mo CD
0.60% $1,000 - Learn MoreShow Less
48 Mo CD
0.75% $1,000 - Learn MoreShow Less
60 Mo CD
0.90% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.35% $1,000 - Learn MoreShow Less
Special: 15 Mo FIRA
1.50% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.35% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1,000 - Learn MoreShow Less

Loan Rates - June 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CB&S Bank, Inc.

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
First Internet Bank
NMLS ID: 424182
3.779% 3.750% 0.38 $898 $1,158 Learn More
Rocket Mortgage
NMLS ID: 3030
4.500% 4.500% 0.00 $0 $1,267 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info

Note to CB&S Bank, Inc.
To upload and update your bank's rates please register. It is free to register and add rates.

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:
Ashburn,Virginia


CB&S Bank, Inc. Locations


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
8.94% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 December 31, 2018, CB&S Bank, Inc. had $14,465,000 in non-current loans and $4,046,000 in owned real estate. To cover these potential losses it had $199,110,000 in equity and $8,007,000 in loans loss reserves. That gives it a Texas Ratio of 8.94%.

Return on Equity
CB&S Bank, Inc. U.S. Bank Average
7.77% 8.80%

CB&S Bank, Inc. has a Return on Equity of 7.77% versus the BestCashCow average of 8.80%. 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
12.03% 12.29%

CB&S Bank, Inc. has a Capitalization of 12.03% versus the BestCashCow average of 12.29. 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 December 31, 2018, CB&S Bank, Inc. had assets of $1,655,537,000, loans of $751,658,000, and deposits of $1,378,845,000. 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

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.07 billion
Interest-bearing balances $0.03 billion
Total securities $0.68 billion
Federal funds sold and reverse repurchase $0.04 billion
Net loans and leases $0.75 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.01 billion
All other assets $0.07 billion
     Total Assets $1.46 billion
LIABILITIES
Total deposits $1.38 billion
      Interest-bearing deposits $1.35 billion
      Deposits held in domestic offices $1.38 billion
      % insured (estimated) 73.03%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.06 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $1.46 billion
      Shareholders’ Equity $0.20 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.06 billion
Total Interest Expense $0.01 billion
Net interest income $0.05 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.02 billion
Total non interest expense $0.05 billion
Pre-tax Net Operating Income $0.02 billion

Frequently Asked Questions About Cb&s Bank, Inc.

Branches and Savings

Is Cb&s Bank, Inc. FDIC insured?

Yes. It is covered under FDIC Certificate #15310.

Why does Cb&s Bank, Inc. pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Cb&s Bank, Inc. CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Cb&s Bank, Inc. a commercial bank?

Yes

Where are Cb&s Bank, Inc. locations?

See branch locations nearby.

Is Cb&s Bank, Inc. open on Saturdays?

Is Cb&s Bank, Inc. open on Sundays?

What time does Cb&s Bank, Inc. open?

What time does Cb&s Bank, Inc. close?

Are Cb&s Bank, Inc. ATMs Open 24/7?

Do Cb&s Bank, Inc. ATMs accept cash deposits?

Can Cb&s Bank, Inc. customers use other ATMs?

Do Cb&s Bank, Inc. branches have notaries?

Will Cb&s Bank, Inc. notarize my document?

What address for Cb&s Bank, Inc. should I put for incoming ACH transfers?

Will the Cb&s Bank, Inc. branch print checks?

Do Cb&s Bank, Inc. checks expire?

Does Cb&s Bank, Inc. require US citizenship to open account?

Can Cb&s Bank, Inc. close my account?

Does Cb&s Bank, Inc. Report to credit bureaus?

Does Cb&s Bank, Inc. Use Equifax?

What is Cb&s Bank, Inc.'s ACH Routing Number?

What is Cb&s Bank, Inc.'s SWIFT code?

Products

Does Cb&s Bank, Inc. offer mortgages?

Compare mortgage rates here.

Does Cb&s Bank, Inc. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cb&s Bank, Inc. offer personal loans?

Compare personal loan rates here.

Does Cb&s Bank, Inc. offer student loans?

Will Cb&s Bank, Inc. cash a check?

Will Cb&s Bank, Inc. redeem a savings bond?

Does Cb&s Bank, Inc. cash savings bonds?

Will Cb&s Bank, Inc. cash money orders?

Can Cb&s Bank, Inc. issue a money order?

Does Cb&s Bank, Inc. do currency exchange?

Background on The Bank

Who owns Cb&s Bank, Inc.?

How long has Cb&s Bank, Inc. been around?

Can Cb&s Bank, Inc. transfer to other banks?

Does Cb&s Bank, Inc. have quick pay?

Does Cb&s Bank, Inc. accept rolled coins?

Will Cb&s Bank, Inc. accept loose change?

Where is Cb&s Bank, Inc. headquarters?

Customer Reviews for CB&S Bank, Inc.


  • Terry

    June 07, 2018 |

    CDs 36 Month Rates

    Fabulous bank

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