Cb&S Bank INC
Russellville, Alabama · FDIC Cert #15310
Cb&S Bank INC is an FDIC-insured bank (Certificate #15310) with $2.6B in total assets and $2.2B in total deposits as of the Q2 2024 Call Report. Headquartered in Russellville, Alabama, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 1.63%. BankHealthData assigns a composite Health Grade of C (51/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Cb&S Bank INC (FDIC cert 15310) is a mid-sized bank with $2.6B in total assets and $2.2B in deposits, based in Russellville, Alabama. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is normal: non-performing loan ratio of 1.63% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 43.2% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 0.83% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Cb&S Bank INC carries a composite BankHealth grade of C (51/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Cb&S Bank INC
- Total Assets
- $2.6B
- Total Deposits
- $2.2B
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 1.63%
- Liquidity Ratio
- 43.21%
- Return on Assets
- 0.83%
- Headquarters
- Russellville, Alabama
- FDIC Certificate
- #15310
- Health Grade
- C (51/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Cb&S Bank INC holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Cb&S Bank INC to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Cb&S Bank INC shows average financial health. While not alarming, its Health Score of 51/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Cb&S Bank INC Compares
Cb&S Bank INC’s Health Score of 51 is 15 points below the Alabama state average of 66 across 78 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 1.63% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.83% is below the national ROA benchmark of ~1.1%. Among 501 similarly-sized banks, the average Health Score is 72, meaning this bank ranks below its size cohort. Site-wide, Cb&S Bank INC is 19 points below the portfolio average of 70.
Frequently Asked Questions
Cb&S Bank INC has a Bank Health Score of C (51/100), placing it in average financial health. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Cb&S Bank INC's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 1.63% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Cb&S Bank INC is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #15310). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Cb&S Bank INC holds $2.6B in total assets and $2.2B in total deposits. It is headquartered in Russellville, Alabama (FDIC Certificate #15310).
Cb&S Bank INC has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.63%, and the return on assets is 0.83%.
Yes. Cb&S Bank INC is FDIC-insured (Certificate #15310). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Cb&S Bank INC's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.