CB&S Bank, Inc.
Major Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) and a capital leverage ratio of 10.4. A current level of 5.9 percent of nonperforming loans to core capital combined with 24.8 percent from a year earlier contributes to the Good asset quality (6.4).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10). Fair liquidity 4.0, driven by a liquidity ratio of 15.5 percent and a “hot money” ratio of 23.2 percent.
Asset Mix:
Securities (29%), comm re (18%), home mtgs (11%), comm loans (6%), cash (5%), home eq lns (3%), consumer loans (1%), other (27%)
States with Branches:
AL, MS, TN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
CBS Banc-Corp.
Investment Rating
--
Address
200 South Jackson Avenue
Russellville, AL 35653
Russellville, AL 35653
Phone Number
(877) 332-1710
Year Founded
1906
FDIC Number
Website
Largest Affiliates
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