← Back to Institutions
CB&S Bank, Inc.
Russellville, AL·FDIC Cert #15310·Charter: STATE·Est. 19060101.0·HC: CBS BANC-CORP
Total Assets
$2.9B
Q4 2025
Return on Assets
0.85%
+0.16%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
70.88%
Peer avg: 58.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
60
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.85%+0.16
ROE
15.55%+2.40
Efficiency
70.88%-2.06
Equity/Assets
0.00%+0.00
NPL Ratio
0.98%-1.50
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
64.25%+0.38
Charge-offs
0.07%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.7 | 0.7 | 0.8 | 0.8 | 0.6 | 0.7 | 0.8 |
| ROE | 14.8 | 13.8 | 14.0 | 15.3 | 15.0 | 10.9 | 13.2 | 15.6 |
| Efficiency | 75.3 | 76.6 | 73.9 | 71.9 | 73.8 | 73.9 | 72.9 | 70.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.7 | 1.6 | 1.9 | 1.5 | 1.6 | 2.6 | 2.5 | 1.0 |
| Charge-offs | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.1 |
| Loan/Deposit | 52.8 | 56.0 | 57.1 | 62.0 | 60.9 | 61.5 | 63.9 | 64.2 |
Balance Sheet
Total Assets$2.9B
Total Deposits$2.4B
Total Loans$1.6B
Total Equity$178.1M
Profitability
ROA0.85%
ROE15.55%
Efficiency Ratio70.88%
Net Income$23.7M
Risk & Asset Quality
NPL Ratio0.98%
Charge-off Rate0.07%
Loan/Deposit64.25%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans