CB&S BANK INC — NPL Explorer

Total Assets

$3.1B

—

Total Loans

$1.7B

—

Texas Ratio

19.5%

-1.7

Non-Performing Loans %

1.1%

+0.2

CB&S BANK INC in AL reported a Texas ratio of 19.5% in Q2 2026, down -1.7pp from the prior quarter. Nonperforming assets rose to 1.15%, an increase of +0.21pp quarter-over-quarter.

Portfolio composition

Category	Balance	% of total	NPL %	Charge-off %
Real estate (all)	—	—	—	—
Commercial real estate	—	—	—	—
Construction & land	—	—	—	—
FOUNDATION Multifamily — Unlock to view
FOUNDATION Non-residential CRE — Unlock to view
FOUNDATION Residential real estate — Unlock to view
FOUNDATION Commercial & industrial — Unlock to view
FOUNDATION Consumer — Unlock to view
FOUNDATION Other loans — Unlock to view
FOUNDATION 1-4 family — 1st lien — Unlock to view
FOUNDATION 1-4 family — junior lien — Unlock to view
FOUNDATION 1-4 family — HELOC — Unlock to view
FOUNDATION Multifamily — Unlock to view
FOUNDATION CRE — owner-occupied — Unlock to view
FOUNDATION CRE — non-owner-occupied — Unlock to view
FOUNDATION Construction — 1-4 family — Unlock to view
FOUNDATION Construction — other — Unlock to view
FOUNDATION Commercial & industrial — Unlock to view
FOUNDATION Consumer — Unlock to view

FOUNDATION

20-quarter trend panels

See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.

FOUNDATION

Peer cohort comparison

Benchmark against banks in the same size and geography cohort.

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Full portfolio composition

Every loan category, NPL ratio, and charge-off rate — beyond the top 3.

Alabama mortgage-note market & lender distress →

Citizens Bank & Trust, Inc.Trenton, GA · Apr 1, 2026 · Merger
Inherited NPL volume
$94K
Inherited NPL %
0.12%
Total loans inherited
$80M
Total assets inherited
$135M
YTD charge-offs (at close)
$86K
Last filing
Mar 31, 2026