🏦Bank Scorer

CB&S BANK, INC.

RUSSELLVILLE, AL · Supervised by FDIC

Est. 1906FDIC #15,310RSSD: FDIC-15310
Part ofCBS BANC-CORP→ View all charters
Satisfactory Same

Current rating · Exam: October 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.75%

Institution Profile

FDIC BankFind

Address

201 Jackson Ave S, RUSSELLVILLE, AL

County

Franklin County

Established

January 1, 1906

Total Assets

$2.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.9B

Total Deposits

$2.5B

Net Loans

$1.6B

Net Income

$5M

ROA

0.75%

ROE

13.23%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate15.11%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

55

Branch Deposits

$2.4B

1-Year Change

+1

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,21871.67%15.11%
20231,21168.62%14.86%
20221,44870.1%14.16%
20211,33276.95%11.11%
20201,53980.12%9.62%
20191,06374.32%12.23%
20181,06269.68%14.78%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

12 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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