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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

CB&S BANK INC

FDIC #15310 · AL · period 20260630

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Total assets1,527,328-6.54% YoY

Total deposits1,236,282-4.10% YoY

Net loans and leases591,601-9.76% YoY

Return on assets0.65%-14.40% YoY

Return on equity5.49%-19.15% YoY

Net interest margin3.17%+1.65% YoY

Peer position

Return on assets15thopportunity · n=902

Return on equity50thin line · n=894

Net interest margin42ndin line · n=902

Equity to assets1stopportunity · n=894

Noncurrent loans23rdopportunity · n=887

Liquid assets84thstrength · n=895

Brokered deposits52ndin line · n=890

Loans to deposits89thstrength · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,527,328	1,236,282	591,601	0.65	5.49	3.17
2016-06-30	1,547,108	1,217,563	599,890	0.74	6.12	3.19
2016-09-30	1,546,047	1,243,620	637,740	0.77	6.27	3.24
2016-12-31	1,581,205	1,295,458	645,071	0.84	7.03	3.28
2017-03-31	1,634,259	1,289,178	655,614	0.76	6.79	3.12
2017-06-30	1,619,652	1,279,181	681,970	0.75	6.53	3.24
2017-09-30	1,597,495	1,288,547	700,745	0.79	6.76	3.29
2017-12-31	1,598,550	1,283,616	710,268	0.69	5.91	3.33
2018-03-31	1,636,353	1,318,442	750,759	0.84	7.13	3.45
2018-06-30	1,646,099	1,347,771	754,859	0.85	7.28	3.46
2018-09-30	1,632,520	1,354,561	772,385	0.89	7.68	3.49
2018-12-31	1,655,537	1,378,845	751,658	0.91	7.77	3.50
2019-03-31	1,670,563	1,388,807	767,981	0.89	7.18	3.56
2019-06-30	1,662,347	1,371,651	802,793	0.93	7.33	3.56
2019-09-30	1,915,471	1,604,093	965,587	0.93	7.37	3.56
2019-12-31	1,898,751	1,593,938	932,098	1.00	7.97	3.59
2020-03-31	1,938,013	1,625,895	910,294	0.95	7.61	3.59
2020-06-30	2,062,414	1,735,864	947,472	0.94	7.53	3.52
2020-09-30	2,092,426	1,753,395	939,629	0.95	7.61	3.45
2020-12-31	2,190,912	1,818,865	916,932	1.01	8.12	3.41
2021-03-31	2,247,264	1,895,192	904,062	1.06	9.02	3.17
2021-06-30	2,252,440	1,895,819	916,749	1.08	9.11	3.22
2021-09-30	2,288,704	1,933,720	933,703	1.12	9.49	3.25
2021-12-31	2,411,518	2,043,544	980,431	1.10	9.35	3.29
2022-03-31	2,367,567	2,099,635	1,030,712	0.92	9.32	3.37
2022-06-30	2,401,376	2,191,231	1,095,979	1.03	12.47	3.56
2022-09-30	2,345,222	2,174,737	1,112,930	1.12	16.26	3.72
2022-12-31	2,442,888	2,167,540	1,160,907	1.15	18.72	3.79
2023-03-31	2,487,639	2,186,527	1,172,791	1.00	25.23	3.80
2023-06-30	2,456,276	2,175,095	1,162,751	0.96	23.20	3.66
2023-09-30	2,487,343	2,198,836	1,171,736	0.89	23.90	3.55
2023-12-31	2,541,433	2,183,993	1,158,811	0.90	22.44	3.48
2024-03-31	2,645,695	2,250,181	1,188,502	0.74	14.78	3.24
2024-06-30	2,600,021	2,225,754	1,245,665	0.68	13.80	3.20
2024-09-30	2,667,364	2,260,300	1,291,309	0.73	13.97	3.23
2024-12-31	2,680,927	2,276,433	1,411,921	0.79	15.31	3.37
2025-03-31	2,774,127	2,383,362	1,451,444	0.77	14.99	3.38
2025-06-30	2,812,749	2,426,743	1,491,813	0.55	10.86	3.39
2025-09-30	2,832,355	2,421,153	1,546,422	0.69	13.15	3.44
2025-12-31	2,878,211	2,424,986	1,558,021	0.85	15.55	3.48
2026-03-31	2,938,465	2,510,438	1,629,389	0.75	13.23	3.49
2026-06-30	3,069,404	2,608,415	1,704,041	0.71	12.21	3.57

Structure and branch footprint

58 current branch locations across 4 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2026-04-01	1	1163283	594433
2019-08-01	1	209830	594433
2013-08-24	50	590855	594433
2006-04-29	1	770330	594433
2005-06-25	1	226051	594433
2000-09-30	50	682349	594433
1993-04-01	1	526630	594433
1990-05-19	50	445973	594433

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.