CB&S Bank, Inc. (FDIC certificate #15310) is based in Russellville, Alabama. Its Q2 2026 call report shows $3.1B in total assets and $2.6B in deposits and 58 offices across 4 states.
Based on its Q2 2026 filing, CB&S Bank, Inc. scores 59/100, which we describe as moderate. That is higher than only 19% of 897 banks with $1 billion – $10 billion. Among 93 banks headquartered in Alabama, it ranks 74th. Its strongest component is funding & liquidity (77/100; 65% loans-to-deposits, 31% uninsured), and its lowest is earnings (49/100; 0.71%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 13 points (46 → 59), mostly because the loan quality component improved by 47 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 56 |
| Q4 2024 | 60 |
| Q1 2025 | 59 |
| Q2 2025 | 46 |
| Q3 2025 | 49 |
| Q4 2025 | 64 |
| Q1 2026 | 60 |
| Q2 2026 | 59 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.90% |
| Q3 2024 | 10.98% |
| Q4 2024 | 11.13% |
| Q1 2025 | 10.94% |
| Q2 2025 | 10.75% |
| Q3 2025 | 10.87% |
| Q4 2025 | 10.96% |
| Q1 2026 | 10.22% |
| Q2 2026 | 10.42% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.63% |
| Q3 2024 | 1.85% |
| Q4 2024 | 1.53% |
| Q1 2025 | 1.59% |
| Q2 2025 | 2.56% |
| Q3 2025 | 2.45% |
| Q4 2025 | 0.97% |
| Q1 2026 | 0.94% |
| Q2 2026 | 1.15% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.68% |
| Q3 2024 | 0.73% |
| Q4 2024 | 0.79% |
| Q1 2025 | 0.77% |
| Q2 2025 | 0.55% |
| Q3 2025 | 0.69% |
| Q4 2025 | 0.85% |
| Q1 2026 | 0.75% |
| Q2 2026 | 0.71% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $3.1B | 10.42% | 1.15% | 0.71% | 65.3% |
| Q1 2026 | 60 | $2.9B | 10.22% | 0.94% | 0.75% | 64.9% |
| Q4 2025 | 64 | $2.9B | 10.96% | 0.97% | 0.85% | 64.2% |
| Q3 2025 | 49 | $2.8B | 10.87% | 2.45% | 0.69% | 63.9% |
| Q2 2025 | 46 | $2.8B | 10.75% | 2.56% | 0.55% | 61.5% |
| Q1 2025 | 59 | $2.8B | 10.94% | 1.59% | 0.77% | 60.9% |
| Q4 2024 | 60 | $2.7B | 11.13% | 1.53% | 0.79% | 62.0% |
| Q3 2024 | 56 | $2.7B | 10.98% | 1.85% | 0.73% | 57.1% |
| Q2 2024 | 58 | $2.6B | 10.90% | 1.63% | 0.68% | 56.0% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bryant BankBank Tuscaloosa, AL | 72 out of 100, Strong | $2.9B | 9.5% | 0.07% | vs |
| Bank IndependentBank Sheffield, AL | 65 out of 100, Moderate | $2.9B | 9.8% | 0.22% | vs |
| Oakworth Capital BankBank Birmingham, AL | 58 out of 100, Moderate | $2.1B | 9.6% | 0.68% | vs |
| River Bank & TrustBank Prattville, AL | 66 out of 100, Moderate | $4.0B | 9.2% | 0.48% | vs |
| Troy Bank & Trust CompanyBank Troy, AL | 67 out of 100, Moderate | $1.6B | 12.8% | 1.35% | vs |
| United BankBank Atmore, AL | 74 out of 100, Strong | $1.5B | 15.8% | 1.35% | vs |
Deposit insurance
Is my money safe at CB&S Bank, Inc.?
Yes. CB&S Bank, Inc. is an FDIC-insured institution (FDIC certificate #15310). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.1% of deposits ($811.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.42%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
58 locations
Branches
CB&S Bank, Inc. lists 57 offices in 48 cities across 4 states. Most locations:
- Russellville, AL (3)
- Corinth, MS (2)
- Decatur, AL (2)
- Florence, AL (2)
- Greenwood, MS (2)
- Huntsville, AL (2)
- Murfreesboro, TN (2)
- Tallassee, AL (2)
- Adamsville, TN (1)
- Ardmore, TN (1)
- Auburn, AL (1)
- Birmingham, AL (1)
Identity & history
Profile
- Legal name
- CB&S Bank, Inc.
- Former names
- Citizens Bank & Savings Co.; Citizens Bank & Savings Company
- Type
- State-chartered bank
- FDIC certificate #
- 15310
- RSSD ID
- 594433
- Primary regulator
- FDIC
- Holding company
- Cbs Banc-Corp
- Established
- January 1, 1906
- Headquarters
- 201 Jackson Ave S, Russellville, AL 35653
- Website
- www.cbsbank.com
- Employees
- 596
Quick answers
CB&S Bank, Inc.: common questions
Is CB&S Bank, Inc. FDIC insured?
Yes. CB&S Bank, Inc. is an FDIC-insured institution (FDIC certificate #15310). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is CB&S Bank, Inc.'s TellerScore?
59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has CB&S Bank, Inc. ever failed?
There is no failure record for FDIC certificate #15310 in the FDIC failed bank list.
How many branches does CB&S Bank, Inc. have?
58 offices as of the latest FDIC data, in 4 states.
Nearby
Highest-scoring banks and credit unions with branches near Russellville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Electrical Workers No 558 Federal Credit UnionCredit union Sheffield, AL | 99 out of 100, Very strong | $45.9M | 20.5% | 0.00% | vs |
| First National BankBank Hamilton, AL | 97 out of 100, Very strong | $372.7M | 19.0% | 0.25% | vs |
| Family Security Credit UnionCredit union Decatur, AL | 95 out of 100, Very strong | $1.1B | 19.9% | 0.61% | vs |
| TVA Community Credit UnionCredit union Muscle Shoals, AL | 90 out of 100, Very strong | $429.0M | 18.4% | 0.32% | vs |
| First Metro BankBank Muscle Shoals, AL | 84 out of 100, Strong | $1.0B | 13.0% | 0.13% | vs |
| Valley Credit UnionCredit union Tuscumbia, AL | 84 out of 100, Strong | $112.9M | 14.0% | 0.20% | vs |