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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 459th largest bank in the nation. It was established in 1906 and as of December of 2013, it had grown to 512 employees at 58 locations. CB&S Bank has a C+ health rating.

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CB&S Bank Star Rewards Checking Account

Great customer service...would recommend to others


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 CB&S Bank had $44.22 million in non-current loans and owned real-estate with $136.28 million in equity and loan loss allowances on hand to cover it. This gives CB&S Bank a Texas Ratio of 32.44% 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 30.85% as of December 31, 2012 to 32.44% as of December 31, 2013, resulting in a negative change of 5.16%. 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 $226.7 million, resulting in 22.53% 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 $1.48 billion in assets with $136.28 million in equity, resulting in a capitalization level of 9.20%, which is average.

Institution Statistics

FDIC Certificate #15310
Year Established1906
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.48 billion
Loans$571.92 million
Deposits$1.23 billion
Equity Capital$128.88 million
Loan Loss Allowance$7.40 million
Unbacked Noncurrent Loans$28.05 million
Real Estate Owned$16.16 million
Historic Data - December 2012
Assets$1.26 billion
Equity Capital$142.40 million
Loan Loss Allowance$8.48 million
Unbacked Noncurrent Loans$28.05 million
Real Estate Owned$26.91 million
Profit Margin - Quarterly
Net Interest Margin3.36%
Return on Assets1.42%
Return on Equity14.25%
Interest Income$48.50 million

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