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CB&S Bank Rates & Review March 2026

Q: Is CB&S Bank a safe place to deposit money?

Yes, CB&S Bank is considered a safe financial institution. With a Texas Ratio of 31.468564800839%, the institution's financial health is rated as stable. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

Q: How many branches does CB&S Bank operate?

CB&S Bank currently maintains approximately 55 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, CB&S Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, CB&S Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 22, 2026

You can compare CB&S Bank rates to other rates in our database, including 12-month CD rates currently at 4.00%, 6-month CD rates at 3.90% and 3-month CD rates at 0.10%. Savings rates are at 0.04% and money market rates are at 0.01%. Mortgage rates on 30-year fixed loans are around 6.00%. All these rates can be compared to CB&S Bank rates. MonitorBankRates evaluates the financial stability of CB&S Bank with a 5.0 Star Rating, an B Overall Health Grade, and a Texas Ratio of 31.47%. Rates were last updated on 03/22/2026.

CB&S Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at CB&S Bank? Share your experience about CB&S Bank by leaving a review below, or read customer reviews before you decide to use CB&S Bank.

Overall Health & Safety Grade

Solid Health Score: 84/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

31.47%

Fair Higher than avg

CB&S Bank

201 Jackson Ave S
Russellville, AL 35653

https://www.cbsbank.com

CB&S Bank Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Lines of Credit	-	-	6.50%
Details Current rates vary from Prime minus .25% - Prime plus 1.50%, currently 6.50% - 8.25%. These rates are variable and are subject to change. Maximum APR 18%. The minimum possible APR will be 5%. No annual fee. No closing costs if HELOC amount is $250,000 or less, initial $10,000 draw requirement is met and maintained for 90 days. Customer pays $500 closing costs if HELOC is over $250,000 and less than or equal to $500,000 and initial $10,000 is met and maintained for 90 days. If the draw requirement is not met the closing costs could range from approximately $150-$3,000 depending on loan amount and will be taken as a draw. Customer pays closing costs if HELOC is over $500,000. Property insurance required. Flood Insurance may be required. Please consult tax advisor regarding potential tax deductions. Other restrictions may apply. Limited time offer. Last Updated 03/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%
Home Equity Lines of Credit	-	-	8.25%
Details Current rates vary from Prime minus .25% - Prime plus 1.50%, currently 6.50% - 8.25%. These rates are variable and are subject to change. Maximum APR 18%. The minimum possible APR will be 5%. No annual fee. No closing costs if HELOC amount is $250,000 or less, initial $10,000 draw requirement is met and maintained for 90 days. Customer pays $500 closing costs if HELOC is over $250,000 and less than or equal to $500,000 and initial $10,000 is met and maintained for 90 days. If the draw requirement is not met the closing costs could range from approximately $150-$3,000 depending on loan amount and will be taken as a draw. Customer pays closing costs if HELOC is over $500,000. Property insurance required. Flood Insurance may be required. Please consult tax advisor regarding potential tax deductions. Other restrictions may apply. Limited time offer. Last Updated 03/18/2026 Institution Ratings 3.6 Star Rating C- Health Grade ◈ Texas Ratio: 31.47%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for CB&S Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather CB&S Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with CB&S Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name CB&S Bank

Bank Holding Company CBS BANC-CORP

Address 201 Jackson Ave S, Russellville, AL 35653 · Franklin

Website https://www.cbsbank.com

FDIC Certificate # 15310

Established 01/01/1906

FDIC Insurance Date 12/06/1935

Domestic Offices 55

Total Branches 55

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 84/100

5.0

Exceptional Out of 5.0 Stars

31.47%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8897%

Return on Equity (ROE) 23.9000%

Non-Performing Loans (NPL) 0.58%

Total Assets $2,878,211,000

Total Deposits $2,424,986,000

Equity Capital $178,065,000

Net Income $23,709,000

Headquarters Russellville

Total Offices 55

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About CB&S Bank

Is CB&S Bank a safe place to deposit money?

Yes, CB&S Bank is considered a safe financial institution. With a Texas Ratio of 31.468564800839%, the institution's financial health is rated as stable. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does CB&S Bank operate?

CB&S Bank currently maintains approximately 55 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, CB&S Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, CB&S Bank provides members with tools to manage their accounts and build a solid financial history.

Does CB&S Bank offer online and mobile banking?

Most modern institutions like CB&S Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cbsbank.com.