CB&S Bank, Inc.


201 South Jackson Street
Russellville, AL 35653
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.40% →
1-Year CD 0.35% 1.15% →
2-Year CD 0.45% 1.26% →
5-Year CD 0.90% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 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 $1.9 billion in assets. Customers can open an account at one of its 55 branches.

FDIC Insured Yes
FDIC Certificate # 15310
Date Established 1906
Assets $ 1,898.75 million
Loans $ 932.10 million
Deposits $ 1,593.94 million
Capital $ 235.17 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 - July 6, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.10% $1 - Learn More
Money Market
0.20% $2,500 $249,999 Learn More
3 Mo CD
0.15% $1,000 - Learn More
6 Mo CD
0.20% $1,000 - Learn More
12 Mo CD
0.35% $1,000 - Learn More
18 Mo CD
0.35% $1,000 - Learn More
24 Mo CD
0.45% $1,000 - Learn More
30 Mo CD
0.45% $1,000 - Learn More
36 Mo CD
0.60% $1,000 - Learn More
48 Mo CD
0.75% $1,000 - Learn More
60 Mo CD
0.90% $1,000 - Learn More

Fixed IRA
0.35% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.35% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 $9,999 Learn MoreShow Less

Loan Rates - July 6, 2020

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

Note to CB&S Bank, Inc.
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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
9.02% 6.51%

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 December 31, 2019, CB&S Bank, Inc. had $16,015,000 in non-current loans and $6,051,000 in owned real estate. To cover these potential losses it had $235,173,000 in equity and $9,582,000 in loans loss reserves. That gives it a Texas Ratio of 9.02%.

Return on Equity
CB&S Bank, Inc. U.S. Bank Average
7.97% 9.41%

CB&S Bank, Inc. has a Return on Equity of 7.97% versus the BestCashCow average of 9.41%. 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.

CB&S Bank, Inc. U.S. Bank Average
12.39% 12.82%

CB&S Bank, Inc. has a Capitalization of 12.39% versus the BestCashCow average of 12.82. 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, 2019, CB&S Bank, Inc. had assets of $1,898,751,000, loans of $932,098,000, and deposits of $1,593,938,000. 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, 2019
Cash & Balances due from depository institutions $ 78.13 million
Interest-bearing balances $ 49.13 million
Total securities $ 750.57 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 932.10 million
Loan loss allowance $ 9.58 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 6.05 million
Goodwill and other intangibles $ 27.48 million
All other assets $ 66.83 million
     Total Assets $ 1,663.58 million
Total deposits $ 1,593.94 million
      Interest-bearing deposits $ 1,565.37 million
      Deposits held in domestic offices $ 1,593.94 million
      % insured (estimated) 72.59%
Federal funds purchased and repurchase agreements $ 12.87 million
Trading liabilities N.A.
Other borrowed funds $ 45.77 million
Subordinated debt N.A.
All other liabilities $ 11.01 million
      Total Liabilities $ 1,663.58 million
      Shareholders’ Equity $ 235.17 million

Summary Income Statement

December 31, 2019
Total Interest Income $ 69.21 million
Total Interest Expense $ 11.59 million
Net interest income $ 57.63 million
Provision for loan and lease losses $ 2.58 million
Total non interest income $ 16.43 million
Total non interest expense $ 51.35 million
Pre-tax Net Operating Income $ 20.13 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 Small Business Loans.

Compared to other banks in Alabama, CB&S Bank, Inc. has a significantly higher percent of Construction and Development Loans, Commercial Real Estate 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.31
Credit Card Loans 0.16
Consumer Auto Loans 0.96
Small Business Loans 17.86
Construction and Development Loans 14.50
Commercial Real Estate 36.35
Commercial and Industrial Loans 12.34
Farm Loans 1.80

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?


Where are Cb&s Bank, Inc. locations?

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

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

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

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Does Cb&s Bank, Inc. Use Equifax?

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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.

  • June 07, 2018 |

    CDs 36 Month Rates

    Fabulous bank

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