CB&S Bank, Inc.
CB&S Bank, Inc. reported total assets of $3.1 bn at Q2 2026, up 9.1% on a year earlier, the 410th largest of 497 banks in our US coverage. CB&S Bank, Inc. uses the community bank leverage ratio framework, with a leverage ratio of 10.42%, and the uninsured share of CB&S Bank, Inc. was 31.10%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, CB&S Bank, Inc. climbed from 503rd to 387th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , CB&S Bank, Inc. has taken over 2 institutions; the latest was Citizens Bank & Trust, Inc. on (FDIC Call Reports).
- CB&S Bank, Inc. has one of the highest efficiency ratio readings among banks of $1 bn to $10 bn: 75.65% at , against a median of 56.87% across 339 banks (FDIC Call Reports).
What sets CB&S Bank, Inc. apart
How large is CB&S Bank, Inc.?
The balance sheet of CB&S Bank, Inc. at : assets $3.1 bn, deposits $2.6 bn, net loans $1.7 bn (loans equal to 65.33% of deposits). Securities make up 28.7% of total assets at CB&S Bank, Inc.. Since , when CB&S Bank, Inc. held $1.5 bn, its assets grew 101.0%. In the year to , deposits at CB&S Bank, Inc. rose 7.5% while its total assets rose 9.1%. At , CB&S Bank, Inc. employed 596 full-time equivalent staff across 58 offices, about $5.2 mn of assets per employee and $45.0 mn of deposits per office.
How much funding at CB&S Bank, Inc. is uninsured?
At CB&S Bank, Inc., uninsured deposits (above the FDIC limit) made up 31.10% of domestic deposits at (-1.50 pp on a year earlier); CB&S Bank, Inc. ranks 299th of 500 on this measure. In dollars, CB&S Bank, Inc. estimated $811.1 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.6 bn | +7.5% | 403rd of 499 |
| Net loans and leases | $1.7 bn | +14.2% | 474th of 500 |
| Loan-to-deposit ratio | 65.33% | +3.85 pp | 437th of 500 |
| Net interest margin | 3.57% | +0.19 pp | 269th of 500 |
| Return on assets (ROA) | 0.71% | +0.16 pp | 448th of 500 |
| Efficiency ratio | 75.65% | +1.75 pp | 466th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $240.6 mn | Narrowed by $34.5 mn | |
| Noncurrent loans to total loans | 1.15% | -1.41 pp | 387th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.05% | +0.01 pp | 189th of 500 (1 = lowest) |
US rank of CB&S Bank, Inc.: 1 = highest unless marked 1 = lowest.
Balance sheet
CB&S Bank, Inc.: assets, deposits and loans
- Total assets $3.1bn
- Deposits $2.6bn
- Net loans $1.7bn
Capital and securities
CB&S Bank, Inc. uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 10.42% in . Equity capital of CB&S Bank, Inc. at : $188.3 mn, or 6.1% of total assets.
The available-for-sale portfolio of CB&S Bank, Inc. showed an unrealized loss of $240.6 mn at ; the loss narrowed by $34.5 mn over the year.
CB&S Bank, Inc.: capital ratios
- Total capital 17%
- CET1 16%
- Tier 1 leverage 10%
CB&S Bank, Inc.: unrealized securities gains and losses
- Available for sale -$241mn
- Held to maturity $0
Profitability and loan quality
For the year to , CB&S Bank, Inc. earned a return on equity of 12.21%; return on assets: 0.71%. Net interest margin at CB&S Bank, Inc.: 3.57%, +0.19 pp in a year. CB&S Bank, Inc. net income: $10.6 mn, up 39.3% year on year. The efficiency ratio of CB&S Bank, Inc. was 75.65%: about 76 cents cost per revenue dollar, against 63 cents at the median peer.
At , noncurrent loans were 1.15% of total loans at CB&S Bank, Inc.; net charge-offs: 0.05% of average loans. Gross loans and leases at CB&S Bank, Inc.: $1.7 bn, up 14.0% in a year.
CB&S Bank, Inc.: profitability
- Return on equity 12%
- Net interest margin 3.6%
- Return on assets 0.7%
Peer group of CB&S Bank, Inc.
The peer group of CB&S Bank, Inc. is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of CB&S Bank, Inc. (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Alabama. Against them, CB&S Bank, Inc. shows return on equity 12.21% against a peer median of 8.04% and uninsured deposit share 31.10% against a peer median of 29.76%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| BCB Community Bank | State nonmember bank | NJ | $3.1 bn | not reported | -4.67% | 44.78% | |
| UniBank for Savings | State nonmember bank | MA | $3.1 bn | 14.02% | 13.54% | 29.42% | |
| Penn Community Bank | State-chartered stock savings bank | PA | $3.1 bn | 16.17% | 5.31% | 32.62% | |
| CB&S Bank, Inc. | State nonmember bank | AL | $3.1 bn | not reported | 12.21% | 31.10% | |
| Midwest BankCentre | State member bank | MO | $3.1 bn | 13.54% | 10.84% | 26.11% | |
| Guaranty Bank and Trust Company | State nonmember bank | MS | $3.1 bn | not reported | 9.91% | 24.45% | |
| BankNewport | State member bank | RI | $3.1 bn | 12.70% | 6.18% | 30.10% | |
. FDIC Call Reports.
Last eight quarters
Two years at CB&S Bank, Inc., to : assets +15.1%, deposits +15.4%, equity +15.5%. Staff 551 to 596; offices 54 to 58.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.7 bn | $2.7 bn | $2.8 bn | $2.8 bn | $2.8 bn | $2.9 bn | $2.9 bn | $3.1 bn |
| Total deposits | $2.3 bn | $2.3 bn | $2.4 bn | $2.4 bn | $2.4 bn | $2.4 bn | $2.5 bn | $2.6 bn |
| Bank equity capital | $163.0 mn | $132.2 mn | $146.4 mn | $140.5 mn | $165.2 mn | $178.1 mn | $152.8 mn | $188.3 mn |
| Return on equity (ROE) | 13.97% | 15.31% | 14.99% | 10.86% | 13.15% | 15.55% | 13.23% | 12.21% |
| Uninsured share of domestic deposits | 32.62% | 31.06% | 30.32% | 32.60% | 31.64% | 32.48% | 32.92% | 31.10% |
| Full-time equivalent employees | 551 | 576 | 548 | 567 | 584 | 566 | 565 | 596 |
| Number of offices | 54 | 54 | 54 | 55 | 55 | 55 | 55 | 58 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of CB&S Bank, Inc., oldest first; figures before and after each event are not like for like.
- . Absorbed PrimeSouth Bank (FDIC certificate 17892).
- . Absorbed Citizens Bank & Trust, Inc. (FDIC certificate 27153).
Questions and identifiers
What were the total assets of CB&S Bank, Inc.?
CB&S Bank, Inc. reported $3.1 bn at in its Call Report. That makes CB&S Bank, Inc. the 410th largest of 497 banks in our US coverage.
Is CB&S Bank, Inc. the same as its holding company?
No. This page covers CB&S Bank, Inc., FDIC certificate 15310; CBS BANC-CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is CB&S Bank, Inc. profitable?
CB&S Bank, Inc. reported net income of $10.6 mn for the year to ; annualized return on equity: 12.21%. So yes: CB&S Bank, Inc. made a profit over these months.
When is data for CB&S Bank, Inc. next updated?
Figures from CB&S Bank, Inc. for are due after .
Where can I check the figures for CB&S Bank, Inc.?
In the FDIC BankFind Suite record for certificate 15310, and in the Call Reports of CB&S Bank, Inc. (RSSD ID 594433) at the FFIEC Central Data Repository.