BlastPoint's Banking Scorecard
CB&S Bank, Inc.
Community
Specialty: Commercial
AL
FDIC cert 15310
Russellville, AL
1484
banks in Community tier nationally
26 in AL
View Community leaderboard (AL) →
CB&S Bank, Inc. shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
+7.4% YoY
+1.6% QoQ
|
+$1.5B |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$1.6B
+10.3% YoY
+0.8% QoQ
|
+$582.5M |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$2.4B
+6.5% YoY
+0.2% QoQ
|
+$1.3B |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
0.85%
+7.3% YoY
+22.5% QoQ
|
-0.32% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
3.48%
+3.2% YoY
+1.4% QoQ
|
-0.18% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
70.88%
-1.4% YoY
-2.8% QoQ
|
+8.25% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
0.98%
-36.5% YoY
-60.5% QoQ
|
+0.35% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
64.25%
+3.6% YoY
+0.6% QoQ
|
-18.81% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.63%
+481.4% YoY
+0.2% QoQ
|
-3.42% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
1.26%
+42.4% YoY
-12.2% QoQ
|
+0.76% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.72%
-11.3% YoY
+32.6% QoQ
|
-0.02% |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.25% · Tier avg: 83.06%
82
82th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
71
71th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.74%
41
41th pctile
Net Interest Margin
Current: 3.48% · Tier avg: 3.66%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.63% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.16%
26
26th pctile
Delinquency Rate
Current: 0.98% · Tier avg: 0.63%
25
25th pctile
Efficiency Ratio
Current: 70.88% · Tier avg: 62.63%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.26% · Tier avg: 0.50%
Top Weaknesses
14
14th pctile
Nonperforming Asset Ratio
Current: 1.26% · Tier avg: 0.50%
25
25th pctile
Efficiency Ratio
Current: 70.88% · Tier avg: 62.63%
26
26th pctile
Delinquency Rate
Current: 0.98% · Tier avg: 0.63%
28
28th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.63% · Tier avg: 21.05%
41
41th pctile
Net Interest Margin
Current: 3.48% · Tier avg: 3.66%
71
71th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.74%
82
82th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.25% · Tier avg: 83.06%
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
90
90th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B