B
CB&S Bank, Inc.
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
10.87
Return On
Assets
0.65%
Total
Assets
2.83B
Capital
165.18M
Total
Deposits
2.42B
Net
Income
14.40M
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Weiss Ratings CB&S Bank, Inc.
Russellville, AL 		Click to
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Rating B
Asset Quality Index 5.40
Capitalization Index 9.80
Liquidity Index 4.00
Profitability Index 3.70
Stability Index 4.90
Company Info CB&S Bank, Inc.
Russellville, AL 		Click to
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FDIC Number 15310
Phone Number (877) 332-1710
Website www.cbsbank.com
Asset Quality CB&S Bank, Inc.
Russellville, AL 		Click to
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1-Year Asset Growth 6.19%
5-Year Asset Growth 8.24%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 1.48%
Non-Performing Loans to Capital 11.21%
Non-Performing Loans to Loans 2.54%
Balance Sheet CB&S Bank, Inc.
Russellville, AL 		Click to
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Total Assets 2.83B
Total Deposits 2.42B
Capital and Reserves CB&S Bank, Inc.
Russellville, AL 		Click to
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Capital 165.18M
Leverage Ratio 10.87
Loan Loss Reserves to Loans 1.21%
Risk-Based Capital Ratio --
Liquidity CB&S Bank, Inc.
Russellville, AL 		Click to
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Hot Money Ratio 23.19%
Liquidity Ratio 15.27%
Profitability CB&S Bank, Inc.
Russellville, AL 		Click to
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5-Year Return on Average Assets 0.96%
Net Income 14.40M
Net Interest Spread 3.16%
Operating Profit to Average Assets 0.80%
Overhead Efficiency Ratio 73.14%
Return on Assets 0.65%
Return on Equity 13.23%