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Cb&S Bank, Inc.

Russellville, AL · Est. 1906 · Website ↗
C
Trust Grade
Average
Score: 79/100

Cb&S Bank, Inc. is a bank based in Russellville, Alabama, established in 1906, with $2.9 billion in total assets across 58 branches. By Trust Grade it ranks 81st of 93 banks we track in Alabama. Its capital ratio of 5.2% trails most similarly sized banks (1th percentile), versus a Alabama median of 10%. It was profitable over the most recent period, with a 0.75% return on assets. No consumer complaints against Cb&S Bank, Inc. appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$2.9B
$1B–10B institution
Deposits
$2.5B
Branches
58
Capital ratio
5.2%
Bottom 1% of $1B–10B peers · Alabama median 10%
Return on assets
0.8%
Bottom 19% of $1B–10B peers · Alabama median 1.08%
Rank in Alabama
#81
of 93 banks

How Cb&S Bank, Inc. compares to Alabama peers

Capital ratio
Bottom 1% of $1B–10B peers
Cb&S Bank,
5.2%
Alabama median
10.0%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 19% of $1B–10B peers
Cb&S Bank,
0.8%
Alabama median
1.1%
Higher ROA = more profitable relative to asset base

How we graded Cb&S Bank, Inc.

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
79/100
Customer experience
n/a
Overall
C · 79
  • Well-capitalized (5.2% capital ratio)
  • Profitable (ROA 0.75%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Cb&S Bank, Inc. over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (58)

  • 131 S Main St, Cornersville, TN 37047
  • 3571 Broad St, Phil Campbell, AL 35581
  • 301 Main St, Tallassee, AL 36078
  • 51 W Main St, Parsons, TN 38363
  • 30 W Main St, Hohenwald, TN 38462
  • 14331 Highway 15 N, Ripley, MS 38663
  • 28171 Highway 15, Walnut, MS 38683
  • 110 Alcorn Dr, Corinth, MS 38834
  • 771 N Ellington Pkwy, Lewisburg, TN 37091
  • 15290 Us 43, Russellville, AL 35653
  • 333 Church St, Town Creek, AL 35672
  • 5690 U.S. Highway 72, Killen, AL 35645
  • 342 Washington Ave, Greenville, MS 38701
  • 820 W Park Ave, Greenwood, MS 38930
  • 3869 Highway 12 W, Sturgis, MS 39769
  • 303 Highway 12 W, Starkville, MS 39759
  • 102 West Fox Avenue, Eupora, MS 39744
  • 1045 1st St, Cherokee, AL 35616
  • 2515 Us 64, Whiteville, TN 38075
  • 14015 Highway 43, Russellville, AL 35653
  • 407 4th St Sw, Red Bay, AL 35582
  • 1481 Highway 172, Hodges, AL 35571
  • 11963 Alabama Highway 157, Moulton, AL 35650
  • 2000 Avalon Ave, Muscle Shoals, AL 35661
  • 320 S Pine St, Florence, AL 35630
  • 1217 Gilmer Ave, Tallassee, AL 36078
  • 10081 Highway 114 W, Scotts Hill, TN 38374
  • 107 Mcfarland Rd, Lookout Mountain, GA 30750
  • 29316 Al Highway 71, Higdon, AL 35979
  • 1422 Huntsville Hwy, Fayetteville, TN 37334
  • 325 Main St, Savannah, TN 38372
  • 731 Mulberry Ave, Selmer, TN 38375
  • 12255 S Main St, Trenton, GA 30752
  • 301 John Lee Hooker Ln, Clarksdale, MS 38614
  • 307 W Madison St, Pulaski, TN 38478
  • 3936 Us Highway 231, Wetumpka, AL 36093
  • 1825 Beltline Rd Sw, Decatur, AL 35601
  • 400 Fulton St, Greenwood, MS 38930
  • 200 S Harper Rd, Corinth, MS 38834
  • 1301 Doug Baker Blvd, Birmingham, AL 35242

Are deposits at Cb&S Bank, Inc. insured?

Yes. Cb&S Bank, Inc. is an FDIC-insured bank (FDIC certificate #15310). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Cb&S Bank, Inc.: frequently asked questions

Is Cb&S Bank, Inc. a good bank?

Cb&S Bank, Inc. earns a Bankzia Trust Grade of C (79/100, "Average"), based on a financial-strength score of 79/100 (it has no CFPB complaints on record). Well-capitalized (5.2% capital ratio); Profitable (ROA 0.75%).

Is Cb&S Bank, Inc. FDIC-insured?

Yes. Cb&S Bank, Inc. is a FDIC-insured bank (FDIC certificate #15310). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Cb&S Bank, Inc.?

Cb&S Bank, Inc. holds $2.9 billion in total assets, ranking 81st of 93 banks we track in Alabama. It operates 58 branches.

Does Cb&S Bank, Inc. have CFPB complaints?

No CFPB complaints against Cb&S Bank, Inc. appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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