Side-by-side · Q2 2026 data
CB&S Bank, Inc. vs Bank Independent
Metric by metric
| Measure | CB&S Bank, Inc. | Bank Independent |
|---|---|---|
| TellerScore | 59 | 65 (stronger) |
| Capital cushion | 54 (stronger) | 48 |
| Loan quality | 62 | 93 (stronger) |
| Earnings | 49 (stronger) | 45 |
| Funding & liquidity | 77 (stronger) | 55 |
| Problem-loan coverage | 61 | 97 (stronger) |
| Peer percentile | 19th | 36th |
| Total assets | $3.1B | $2.9B |
| Deposits / shares | $2.6B | $2.5B |
| Capital ratio | 10.42% (stronger) | 9.82% |
| Problem loans | 1.15% | 0.22% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.24% |
| Return on assets | 0.71% (stronger) | 0.63% |
| Loans ÷ deposits | 65.3% (stronger) | 74.4% |
| Uninsured deposits | 31.1% (stronger) | 42.9% |
| Offices | 57 | 30 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank Independent has the higher TellerScore (65 vs 59). On the 7 directional measures above (where higher or lower is clearly better), CB&S Bank, Inc. leads on 5 and Bank Independent on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Florence, AL
- Russellville, AL
- Decatur, AL
- Huntsville, AL
- Madison, AL
- Moulton, AL
- Killen, AL
- Muscle Shoals, AL
- Owens Cross Roads, AL
- Red Bay, AL
- Cherokee, AL