BlastPoint's Banking Scorecard
CB&S Bank, Inc.
Russellville, AL
58 branches across AL · TN · MS · GA
CB&S Bank, Inc. faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 29.9% in tier
- - ROA 0.61% below tier average
- - Net Interest Margin 0.33% below tier average
- - Efficiency Ratio 12.19% above tier average
- - Delinquency Rate 0.06% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
+5.9% YoY
+2.1% QoQ
|
+$122.8M |
$2.8B
-0.1% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
69% |
| Total Loans ? |
$1.6B
+12.3% YoY
+4.6% QoQ
|
-$335.5M |
$2.0B
+0.6% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
57% |
| Total Deposits ? |
$2.5B
+5.3% YoY
+3.5% QoQ
|
+$167.1M |
$2.3B
-0.3% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
70% |
| Return on Assets ? |
0.75%
-1.7% YoY
-11.2% QoQ
|
-0.61% |
1.37%
+19.6% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
18% |
| Net Interest Margin ? |
3.49%
+3.3% YoY
+0.1% QoQ
|
-0.33% |
3.82%
+6.9% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
39% |
| Efficiency Ratio ? |
73.25%
-0.7% YoY
+3.3% QoQ
|
+12.19% |
61.06%
-4.6% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
18% |
| Delinquency Rate ? |
0.95%
-41.1% YoY
-3.3% QoQ
|
+0.06% |
0.89%
+14.1% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
64.90%
+6.6% YoY
+1.0% QoQ
|
-19.30% |
84.20%
+0.3% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Top 11.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.96%
+0.8% YoY
+1.9% QoQ
|
-3.33% |
21.29%
-2.5% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
40% |
| Nonperforming Asset Ratio ? |
1.23%
+36.1% YoY
-1.7% QoQ
|
+0.56% |
0.67%
+15.6% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
Bottom 14.9% in tier |
| Tier 1 Capital Ratio ? |
10.22%
-6.6% YoY
-6.8% QoQ
|
-4.94% |
15.16%
+2.0% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 6.3% in tier |
| Non-Interest Income / Assets ? |
0.18%
+7.9% YoY
-75.5% QoQ
|
-0.08% |
0.26%
+1.6% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
63% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.