BlastPoint's Banking Scorecard
CB&S Bank, Inc.
Russellville, AL
58 branches across AL · TN · MS · GA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in AL.
- Deposits +7.5% year over year ($2.6B on the books).
- Delinquency rate 1.16%.
- Return on assets 0.71%.
- Efficiency ratio 75.65% vs a 59.73% peer average.
- Loan-to-deposit ratio 65.33% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
CB&S Bank, Inc. faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.68% below tier average
- - Net Interest Margin 0.30% below tier average
- - Efficiency Ratio 15.92% above tier average
- - Delinquency Rate 0.30% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.1B
+9.1% YoY
+4.5% QoQ
|
+$276.2M |
$2.8B
-0.6% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
71% |
| Total Loans ? |
$1.7B
+14.2% YoY
+4.6% QoQ
|
-$259.2M |
$2.0B
-0.3% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
59% |
| Total Deposits ? |
$2.6B
+7.5% YoY
+3.9% QoQ
|
+$289.6M |
$2.3B
-0.5% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
72% |
| Return on Assets ? |
0.71%
+29.6% YoY
-5.2% QoQ
|
-0.68% |
1.39%
+17.0% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
Bottom 14.2% in tier |
| Net Interest Margin ? |
3.57%
+5.5% YoY
+2.4% QoQ
|
-0.30% |
3.87%
+6.2% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
41% |
| Efficiency Ratio ? |
75.65%
+2.4% YoY
+3.3% QoQ
|
+15.92% |
59.73%
-12.6% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
Bottom 11.5% in tier |
| Delinquency Rate ? |
1.16%
-55.2% YoY
+22.5% QoQ
|
+0.30% |
0.87%
+11.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
65.33%
+6.3% YoY
+0.7% QoQ
|
-19.71% |
85.04%
-0.1% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Top 11.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.13%
-0.5% YoY
+0.9% QoQ
|
-3.14% |
21.27%
-1.5% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
41% |
| Nonperforming Asset Ratio ? |
1.32%
-8.0% YoY
+6.9% QoQ
|
+0.65% |
0.67%
+11.7% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
Bottom 13.3% in tier |
| Tier 1 Capital Ratio ? |
10.42%
-3.1% YoY
+2.0% QoQ
|
-4.42% |
14.84%
-0.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Bottom 10.2% in tier |
| Non-Interest Income / Assets ? |
0.38%
+11.4% YoY
+114.8% QoQ
|
-0.15% |
0.53%
+2.5% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
68% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
18.1%
-0.1pp YoY +0.2pp QoQ |
-3.2pp | 21.4% | 24.0% | 22.2% | 40% |
| Brokered Deposits |
1.3%
-0.3pp YoY -0.1pp QoQ |
-8.1pp | 9.5% | 5.5% | 8.5% | 22% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.1%
-2.9pp YoY -0.6pp QoQ |
-2.9pp | 14.0% | 16.9% | 12.5% | 49% |
| CRE |
51.8%
-6.7pp YoY -2.3pp QoQ |
+1.8pp | 50.0% | 43.5% | 41.4% | 56% |
| 1-4 Family |
24.3%
+1.9pp YoY +1.9pp QoQ |
-2.2pp | 26.4% | 30.6% | 31.3% | 53% |
| Consumer |
2.4%
+0.3pp YoY +0.6pp QoQ |
-2.3pp | 4.7% | 5.7% | 5.0% | 68% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
10.4%
-0.3pp YoY +0.2pp QoQ |
-0.9pp | 11.3% | 13.2% | 12.6% | 48% |
| Total Capital Ratio | n/a | n/a | 16.7% | 16.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
596
+29 (+5.1%) YoY +31 (+5.5%) QoQ |
+282 | 313 | 304 | 482 | 88% |
| Assets per Employee ($) |
$5.2M
+3.8% YoY -1.0% QoQ |
-$5.3M | $10.5M | $6.9M | $8.8M | 4% |
| Branch Count |
58
+3 (+5.5%) YoY +3 (+5.5%) QoQ |
+38 | 20 | 20 | 18 | 95% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.2pp | 0.2% | 0.2% | 0.4% | 5% |
| Nonaccrual |
1.2%
-1.4pp YoY +0.2pp QoQ |
+0.3pp | 0.8% | 1.2% | 1.0% | 78% |
| Allowance Coverage |
0.97x
+94.2% YoY -17.9% QoQ |
-17.74x | 18.71x | 7.50x | 20.23x | 22% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.3% | 0.2% | 52% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.2%
+1.4pp YoY -1.0pp QoQ |
-0.4pp | 12.6% | 10.0% | 11.6% | 50% |
| Cost of Funds (YTD) |
2.0%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 1.9% | 1.7% | 1.7% | 58% |
| Net Income ($, YTD) |
$10.6M
+39.3% YoY — QoQ |
-$8.7M | $19.2M | $17.2M | $40.4M | 42% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.