CB&S Bank, Inc.
Russellville, Alabama, Franklin County
$3.1B in total assets, the 428th largest of 4,309 US banks and 4th of 93 headquartered in Alabama.
- FDIC certificate
- 15310
- Established
- 1906
- Owned by
- Cbs Banc-corp
- Primary regulator
- FDIC
- Website
- www.cbsbank.com
At a glance
Compared with 15 banks headquartered in Alabama with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.1B | 93% | $1.4B | |
| Loans | $1.7B | 80% | $923M | |
| Deposits | $2.6B | 93% | $1.2B | |
| Return on assets | 0.92% | 40% | 1.28% | |
| Net interest margin | 3.57% | 40% | 3.72% | |
| Efficiency ratio | 75.6% | 87% | 61.4% | |
| Equity to assets | 6.13% | 2% | 9.41% | |
| Loans to deposits | 66% | 27% | 73% |
Growth
Total assets grew 6.4% a year over the last 5 years and 7.1% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2026 | Citizens Bank & Trust, Inc. Trenton, GA | $135M |
| Jul 2019 | PrimeSouth Bank Tallassee, AL | $247M |
| Aug 2013 | Community South Bank Parsons, TN | $387M |
| Apr 2006 | Farmers Bank Cornersville, TN | $80M |
| Jun 2005 | The Bank of Bolivar Bolivar, TN, an affiliate under the same holding company | $53M |
| Sep 2000 | The Bank of Falkner Falkner, MS | $85M |
| Apr 1993 | First State Bank of Franklin County Phil Campbell, AL | $28M |
| May 1990 | Phenix Federal Savings and Loan Association, FA Phenix City, AL | $105M |
Where they operate
58 branches in 33 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Franklin County, AL | $480M | 53.8% | 1 of 5 |
| Lauderdale County, AL | $180M | 6.9% | 5 of 16 |
| Lawrence County, AL | $148M | 33.1% | 2 of 4 |
| Madison County, AL | $127M | 1.2% | 17 of 35 |
| Leflore County, MS | $120M | 10.6% | 4 of 7 |
| Colbert County, AL | $102M | 7.7% | 3 of 6 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 4 branches since 2016 (54 to 58, +7.4%). 5 opened, 8 acquired, 9 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 54 | |||
| 2018 | Closed 3 in 2 states | 0 | 3 | −3 | 51 |
| 2019 | Acquired PrimeSouth BankSold 1 branch to The Peoples Bank, opened Murfreesboro, closed Huntsville | 6 | 2 | +4 | 55 |
| 2020 | Closed Tupelo | 0 | 1 | −1 | 54 |
| 2021 | Opened Tuscaloosa | 1 | 0 | +1 | 55 |
| 2022 | Closed Greenville | 0 | 1 | −1 | 54 |
| 2023 | Opened Mountain BrookClosed Birmingham | 1 | 1 | 0 | 54 |
| 2024 | Opened TuscaloosaClosed Tuscaloosa | 1 | 1 | 0 | 54 |
| 2025 | Opened Auburn | 1 | 0 | +1 | 55 |
| 2026 through Q2 | Acquired Citizens Bank & Trust, Inc. | 3 | 0 | +3 | 58 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 31% | 35% | |
| 1-4 family residential | 24% | 22% | |
| Construction and land | 16% | 10% | |
| Business (C&I) | 11% | 17% | |
| Multifamily | 4% | 6% | |
| Consumer | 2% | 5% | |
| Farmland | 2% | 1% | |
| Agricultural | 1% | 1% | |
| Other | 9% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 49% | 52% | |
| Time deposits | 33% | 24% | |
| Noninterest-bearing | 18% | 24% |
Brokered deposits are 1.3% of deposits (peers 2.4%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.15% | 0.48% |
| Net charge-offs, annualized | 0.05% | 0.20% |
| Reserves to loans | 1.11% | 1.20% |
| Leverage ratio | 10.42% | 9.82% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Alabama
Largest competitors in Franklin County, AL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/cb-s