FDIC Cert #15310 · Russellville, Alabama · Est. 1906

CB&S Bank, Inc. - FDIC Bank Health Profile

A community-scale look at CB&S Bank, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$2.9B
Total assets
C
Health grade · Fair
0.85%
Return on assets
11.0%
Tier 1 capital

Data updated July 2026

The verdict

CB&S Bank, Inc. earns a PlainBankData health grade of C (62/100), with well-capitalized at 10.96% Tier 1, 0.85% ROA, 71% efficiency ratio.

#447
largest of 4,313 FDIC banks by assets
90th
percentile by asset size, nationally
10.96%
Tier 1 ratio - above the 10% well-capitalized line
33rd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 15310 · AL C · 62/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (62/100)
  • LOWER-Q #3606/4307
  • PHOTO-FINISH American Bank of Fre… · MO
  • TIER1-WELL 11.0% Tier 1
  • TEXAS-CLEAN 7.8% Texas
  • ROA-PAR 0.85% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Alabama: American Bank of Freedom, MO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around CB&S Bank, Inc.

Lowest and highest poles plus nearest scored peers outside Alabama, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Bank of Fre… · MO ·…62/100CB&S Bank, Inc. · AL · this …62/100First State Bank · MI · near62/100First State Bank and… · KS ·…62/100Peoples State Bank o… · MI ·…62/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around CB&S Bank, Inc. · July 2026

What CB&S Bank, Inc.'s Call Report plate shows

CB&S Bank, Inc. (FDIC Cert #15310) carries a PlainBankData health grade of C at 62/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,606 of 4,307. Tier 1 capital prints at 10.96%, clearing the 10% well-capitalized line. The Texas Ratio is 7.82%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.85%. Balance-sheet scale is $2.9B, 447th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is American Bank of Freedom (MO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around CB&S Bank, Inc.

7 FAILURE resolutions in Alabama since 2000 (7 since 2008)

CB&S Bank, Inc.'s home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; CB&S Bank, Inc. remains an active FDIC-insured reporter.

  • ALABAMA TRUST BANK, NATIONAL ASSOCIATION SYLACAUGA, AL 2012 → SOUTHERN STATES BANK
  • SUPERIOR BANK BIRMINGHAM, AL 2011 → SUPERIOR BANK, N.A.
  • NEXITY BANK BIRMINGHAM, AL 2011 → ALOSTAR BANK OF COMMERCE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Alabama banks.

How CB&S Bank, Inc.'s 62/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10062/100
CB&S Bank, Inc.'s composite health score
Tier 1 Capital Ratio (10.96%) 28/40
Return on Assets (ROA) (0.85%) 14/25
Texas Ratio (7.82%) 16/20
Efficiency Ratio (70.88%) 4/15

62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$2.9B

Total balance-sheet footings

Total Deposits

$2.4B

Customer-funded liabilities

Net Loans

$1.6B

Outstanding loan book

Net Income

$24M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.56% 10.96% 12.36%
Basel III capital ratios - CB&S Bank, Inc.

Where CB&S Bank, Inc. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. CB&S Bank, Inc.'s score of 62/100 falls in the highlighted band.

CB&S Bank, Inc.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

62 16th percentile higher than 16% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. CB&S Bank, Inc. 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

CB&S Bank, Inc.'s size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). CB&S Bank, Inc.'s $2.9B falls in the highlighted band.

Safety ratios for CB&S Bank, Inc.

Tier 1 capital ratio
Well-capitalized 10%

10.96% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.96%
Texas Ratio
7.82%
Equity Capital
$178M

What these ratios mean →

Profitability metrics: CB&S Bank, Inc.

Return on Assets (ROA)
33rd percentile nationally
0.85%
Return on Equity (ROE)
15.55%
Efficiency Ratio
70.88%

What these mean →

Income & expense at CB&S Bank, Inc.

$142M
Interest Income
$21M
Non-Interest Income
$77M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. CB&S Bank, Inc. reports a Texas Ratio of 7.82% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.82% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View CB&S Bank, Inc. on FDIC BankFind →

Top banks in Alabama by total assets

Largest banks headquartered in Alabama
  1. 1
    Regions Bank $157.4B

    Birmingham, AL · Grade A

  2. 2
    ServisFirst Bank $17.7B

    Birmingham, AL · Grade A

  3. 3
    River Bank & Trust $3.8B

    Prattville, AL · Grade A

  4. 4
    Bank Independent $3.0B

    Sheffield, AL · Grade B

  5. 5
    Bryant Bank $2.9B

    Tuscaloosa, AL · Grade A

Top 5 banks in Alabama ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($2.9B here), outside Alabama so the neighborhood is not state containment.

Susser Bank $2.9B · TX West Coast Community Bank $2.9B · CA American First National Bank $2.9B · TX Cedar Rapids Bank and Trust Company $2.9B · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) CB&S Bank, Inc. (FDIC Cert #15310) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

CB&S Bank, Inc. Call Report profile · FDIC Failed Bank List · Alabama FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Alabama

All Alabama banks →
BankAssetsGradeROA
Regions BankBirmingham $157.4B A 1.43%
ServisFirst BankBirmingham $17.7B A 1.58%
River Bank & TrustPrattville $3.8B A 1.18%
Bank IndependentSheffield $3.0B B 1.01%
Bryant BankTuscaloosa $2.9B A 1.69%
Oakworth Capital BankBirmingham $2.0B B 1.17%
Troy Bank & Trust CompanyTroy $1.6B A 1.34%
SouthPoint BankBirmingham $1.6B D -0.54%