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201 South Jackson Street
Russellville, AL 35653

CB&S Bank is headquartered in Russellville and is the 5th largest bank in the state of Alabama. It is also the 457th largest bank in the nation. It was established in 1906 and as of March of 2014, it had grown to 512 employees at 57 locations. CB&S Bank has a B health rating.

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CB&S Bank Star Rewards Checking Account

Great customer service...would recommend to others


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 CB&S Bank had $43.48 million in non-current loans and owned real-estate with $149.62 million in equity and loan loss allowances on hand to cover it. This gives CB&S Bank a Texas Ratio of 29.06% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for CB&S Bank experienced no significant changes from 29.98% as of March 31, 2013 to 29.06% as of March 31, 2014, resulting in a positive change of 3.05%.This indicates that the balance sheet and financial strength for CB&S Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, CB&S Bank has increased its total deposits by $234.39 million, resulting in 23.4% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth CB&S Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. CB&S Bank has $1.5 billion in assets with $149.62 million in equity, resulting in a capitalization level of 10.00%, which is above average.

Institution Statistics

FDIC Certificate #15310
Year Established1906
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.50 billion
Loans$560.29 million
Deposits$1.24 billion
Equity Capital$143.16 million
Loan Loss Allowance$6.46 million
Unbacked Noncurrent Loans$27.02 million
Real Estate Owned$16.47 million
Historic Data - March 2013
Assets$1.25 billion
Equity Capital$142.34 million
Loan Loss Allowance$8.21 million
Unbacked Noncurrent Loans$27.02 million
Real Estate Owned$24.73 million
Profit Margin - Quarterly
Net Interest Margin3.41%
Return on Assets0.93%
Return on Equity10.22%
Interest Income$13.38 million

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CB&S Bank has 43 locations. Click to view all CB&S Bank locations.