Compared with Alabama
8 of 12
compared fees are above the median.
3 below, 1 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
92nd percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Alabama median
of 12 compared; 3 below, 1 about the same
See the feesFee schedule read Oct 14, 2026
Call-report figures are for CB&S Bank, Inc. at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Alabama median | Published fees above the Alabama median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | CB&S Bank, Inc.'s published fee schedule; Bank Fee Index medians | Current schedule | Oct 14, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 5.8% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (92nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $1.8M in Q2 2026, 33% above the same quarter a year earlier ($1.4M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 12 compared published fees sit above the Alabama median; 3 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Alabama medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Compared at $9.97, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 3.2% from Q3 2025 to Q2 2026, to $1.8M. Its share of revenue, 5.8%, is above the 2.2% median for banks with $1B to $10B in assets.
$1.8M
CB&S Bank, Inc.Median
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $0 to $15.97; we compare the midpoint.
CB&S Bank, Inc. · $3.1B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| CB&S Bank, Inc.(this institution) | Russellville, AL | $3.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Academy Bank, National Association | Kansas City, MO | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| BCB Community Bank | Bayonne, NJ | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Centreville Bank | West Warwick, RI | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Exchange Bank | Santa Rosa, CA | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farmers Bank & Trust Company | Magnolia, AR | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Citizens Community Bank | Mansfield, PA | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Savings and Loan Association of Lakewood | Lakewood, OH | $2.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Fidelity Bank | Oklahoma City, OK | $3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Western Trust Bank | Denver, CO | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lawrence Bank | Nashville, TN | $3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Maine Community Bank | Portland, ME | $3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mascoma Bank | Lebanon, NH | $3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Midwest BankCentre | Lemay, MO | $3.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Minnwest Bank | Redwood Falls, MN | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Monet Bank | Plano, TX | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| NEXTIER BANK, NATIONAL ASSOCIATION | Kittanning, PA | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North American Savings Bank, F.S.B. | Grandview, MO | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Northwest Bank | Spencer, IA | $3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Penn Community Bank | Doylestown, PA | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| STAR Financial Bank | Fort Wayne, IN | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Susser Bank | Dallas, TX | $3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| U. S. Century Bank | Doral, FL | $3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| UniBank for Savings | Whitinsville, MA | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Unity Bank | Clinton, NJ | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wayne Bank | Honesdale, PA | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $9.97, the middle of its seven prices, against a peer median of $8.25 among 14 publishing peers.
Its seven checking prices are $0, $5.97, $7.97, $9.97, $10.97, $14.97 and $15.97.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.
Call reports for CB&S Bank, Inc. (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1.8M | +$219K | +13.9% |
| Q1 2026 | $1.6M | +$8K | +0.5% |
| Q4 2025 | $1.6M | −$286K | −15.4% |
| Q3 2025 | $1.9M | +$501K | +36.9% |
| Q2 2025 | $1.4M | +$2K | +0.1% |
| Q1 2025 | $1.4M | −$88K | −6.1% |
| Q4 2024 | $1.4M | −$307K | −17.6% |
| Q3 2024 | $1.7M | +$363K | +26.2% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, CB&S Bank, Inc. left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to CB&S Bank, Inc. by share.
Amounts from CB&S Bank, Inc.’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per month
per month
per month
per hour
per hour
per month
per item
per item
per item
per year
per year
per year
per year
per year
per year
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge | $10.97Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $9.97Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $7.97Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $15.97Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $5.97Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $14.97Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Fee per month | $5.97Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing & Reconciling (per hour) | $25.97Not compared: Charged per hour; comparison unavailable | per hour | None |
| Star Savings/Super Star Savers Club: Research Fee (per hour) | $25.97Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee/Monthly | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Fee/Return Item Fee | $33.97Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Daily Overdraft Fee | $5.97Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
| Effective on 5th consecutive business day of overdraft | $5.97Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
ATM & Card | |||
| CB&S Bank ATM | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replace ATM/Debit Card | $4.97Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Official/Cashier's Checks per item | $5.97Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Star Savings/Super Star Savers Club: Stop Payment per item | $33.97Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Foreign Item Deposit Fee | $7.97Below the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay Overnight Fee | $14.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay Same Day Fee | $9.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposit Return Item | $6.97Below the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Late Fee (annual) | $9.97Not compared: Box drilling or key fee | per year | None |
| Safe Deposit Box 10x10 (audience not stated, treated as personal) | $85Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 10x20 (audience not stated, treated as personal) | $115Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 14 x 40 | $155Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 14x40 (audience not stated, treated as personal) | $155Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 16x20 (audience not stated, treated as personal) | $135Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2 x 5 | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 2x5 (audience not stated, treated as personal) | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 10 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x10 (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x5 (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4 x 5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 4x10 (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4x5 (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x10 (audience not stated, treated as personal) | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x5 (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 6x10 (audience not stated, treated as personal) | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $4.97Not compared: Monthly charge, not per item | per month | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per month
per month
per month
per hour
per month
per item
per item
per item
per item
per item
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge | $10.97Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $9.97Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $7.97Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $15.97Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $5.97Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $14.97Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Fee per month | $5.97Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Star Savings/Super Star Savers Club: Research Fee (per hour) | $25.97Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee/Monthly | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Fee/Return Item Fee | $33.97Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Daily Overdraft Fee | $5.97Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
| Effective on 5th consecutive business day of overdraft | $5.97Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
ATM & Card | |||
| CB&S Bank ATM | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replace ATM/Debit Card | $4.97Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Official/Cashier's Checks per item | $5.97Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Official/Cashier’s Checks per item | $5.97 | per item | None |
| Star Savings/Super Star Savers Club: Stop Payment per item | $33.97Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment per item | $33.97 | per item | None |
| Foreign Item Deposit Fee | $7.97Below the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay Overnight Fee | $14.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay Same Day Fee | $9.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposit Return Item | $6.97Below the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
| Star Business Checking: Deposit Return Item | $6.97 | Not stated | None |
Account Services | |||
| Late Fee (annual) | $9.97Not compared: Box drilling or key fee | per year | None |
| Safe Deposit Box 14 x 40 | $155Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 2 x 5 | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 10 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 4 x 5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishments/Levies | $100 | Not stated | None |
Other Fees | |||
| Image Copy/Photocopy | $2.97 | Not stated | None |
| Statement Copy | $4.97Not compared: Monthly charge, not per item | per month | None |
Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where CB&S Bank, Inc. operates, and what regulators and customers have on file.
Branch footprint
58 offices in 4 states, $2.6B in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| Outside a metro area | 34 | $1.5B |
| 5 | $282.1M | |
| 4 | $214.6M | |
| 3 | $159.8M | |
| 4 | $126.6M | |
| 2 | $99.5M | |
| 2 | $76.4M | |
| 1 | $67.9M |
Florence-Muscle Shoals, AL
7.2% of bank deposits, #4 of 16, up 0.3 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Bank Independent | 29.2% |
| First Metro Bank | 20.9% |
| First Southern Bank | 14% |
| Regions Bank | 7% |
| Truist Bank | 4.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Florence-Muscle Shoals, AL, CB&S Bank, Inc. holds 7.2% of bank deposits, #4 of 16, with 5 offices.
76 offices of 26 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 16 institutions shown. $3.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 7.2% share, 5 offices, #4 of 16
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
34 offices of 10 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.