Cb&S Bank Inc (FDIC #15310): Bank Stress & Real-Estate Credit Exposure
Cb&S Bank Inc (FDIC Cert #15310): bank stress 87/100, severe, STABLE over 7 days; parent CBS BANC-CORP.
Cb&S Bank Inc (#15310) lends in 33 counties across 4 states; Cb&S Bank Inc (#15310) reaches 439 ZIP codes: Alabama 14 counties, 257 ZIPs; Tennessee 9 counties, 92 ZIPs; Mississippi 8 counties, 74 ZIPs; Georgia 2 counties, 16 ZIPs.
Cb&S Bank Inc (#15310) largest markets: Jefferson County, AL (64 branches, 64 ZIPs) (#15310), Montgomery County, AL (28 branches, 28 ZIPs) (#15310), Tuscaloosa County, AL (28 branches, 28 ZIPs) (#15310), Madison County, AL (100 branches, 25 ZIPs) (#15310), Shelby County, AL (23 branches, 23 ZIPs) (#15310), Jackson County, AL (22 branches, 22 ZIPs) (#15310).
Cb&S Bank Inc (#15310) reports $3.07 billion in total assets; Cb&S Bank Inc (#15310) equity $188.3 million (6.1% of Cb&S Bank Inc (#15310) assets); Cb&S Bank Inc (#15310) domestic deposits $2.61 billion; Cb&S Bank Inc (#15310) net income $10.6 million; Cb&S Bank Inc (#15310) return on assets 0.71%; Cb&S Bank Inc (#15310) return on equity 12.21%; Cb&S Bank Inc (#15310) net interest income $47.7 million; Cb&S Bank Inc (#15310) call report June 30, 2026.
Cb&S Bank Inc (#15310) noncurrent real-estate loans 0.03% of its book; Cb&S Bank Inc (#15310) net charge-offs on real estate 1.33%; Cb&S Bank Inc (#15310) residential charge-offs 1.53%.
Cb&S Bank Inc (#15310) net interest margin 3.57% against an eight-quarter Cb&S Bank Inc (#15310) average of 3.42% (Cb&S Bank Inc (#15310) compression -0.15 points); Cb&S Bank Inc (#15310) real-estate loans 2.6% of equity; Cb&S Bank Inc (#15310) non-residential real estate 152.6% of equity; Cb&S Bank Inc (#15310) rate-exposure score 40/100, Cb&S Bank Inc (#15310) fixed-rate trap 40/100; Cb&S Bank Inc (#15310) risk type credit driven; Cb&S Bank Inc (#15310) rate regime rates elevated, Cb&S Bank Inc (#15310) snapshot October 19, 2026.
Cb&S Bank Inc (#15310) stress score moved from 85.2 on June 22, 2026 to 86.9 on October 20, 2026; Cb&S Bank Inc (#15310) ranged 85.2 to 86.9 over 117 snapshots.
Cb&S Bank Inc (#15310) alerts: 32 counties; top Cb&S Bank Inc (#15310) alert scores: Tuscaloosa County, AL 47 (moderate); Auburn County, AL 29 (low); Birmingham County, AL 29 (low); Clarksdale County, AL 29 (low); Corinth County, AL 29 (low).