CB&S Bank, Inc.
Major Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) and a capital leverage ratio of 10.9. A current level of 11.2 percent of nonperforming loans to core capital combined with 13.6 percent from a year earlier contributes to the Good asset quality (5.4).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10). Fair liquidity 4.0, driven by a liquidity ratio of 15.3 percent and a “hot money” ratio of 23.2 percent.
Asset Mix:
Securities (31%), comm re (20%), home mtgs (9%), comm loans (8%), cash (6%), home eq lns (3%), consumer loans (1%), other (21%)
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
No affiliate information available.