CB&S Bank
CB&S Bank is a privately held community bank founded in 1906 in Russellville, Alabama, operating 55+ branches across Alabama, Mississippi, Tennessee, and Georgia, providing personal and business banking, lending, treasury management, and merchant services to retail consumers and small and medium businesses.
- Company typePrivate
- Founded1906
- HeadquartersRussellville, United States
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What CB&S Bank does
CB&S Bank is a privately held community bank founded in 1906 and headquartered in Russellville, Alabama, operating more than 55 branch locations across Alabama, Mississippi, Tennessee, and Georgia. The bank offers a comprehensive retail and commercial banking suite including personal checking and savings accounts (Star Account, Star Rewards, Prime Advantage, youth and student accounts, CDs, IRAs), consumer lending (home loans, auto loans, express personal loans), and business banking products spanning Free Business Checking, Business Analysis and Interest Checking, Business Prime Advantage, Workplace Advantage Checking, Business Savings, SEP accounts, and Business Advantage Money Market. Commercial lending covers small business loans, SBA loans, general commercial loans, and commercial real estate loans, including construction financing. Treasury Management Internet Banking provides ACH payroll, merchant capture, bill payment, and real-time account controls to business customers.
The bank's technology stack is built on third-party infrastructure rather than proprietary systems: the CB&S Bank Mobile Secure app is powered by Fiserv for iOS and Android, the Internet Banking Platform and Treasury Management Internet Banking provide 24/7 account access and external transfers, and the bank integrates Zelle for person-to-person payments within its Internet Bill Pay platform and MasterCard for its Business Debit Card product. Merchant Services extend into payment processing for retail, restaurant, healthcare, hospitality, and e-commerce businesses. The bank is FDIC-insured, an Equal Housing Lender, and operates under CBS Banc-Corp as its parent holding company, with Mike Ross serving as President & CEO. In April 2026 CBS Banc-Corp completed the acquisition of TAG Bancshares, Inc., and CB&S has previously integrated CB&T (Citizens Bank of Fayetteville) into its network, both of which extend the bank's Tennessee presence. CB&S Bank generates revenue primarily through net interest income on its loan portfolio (consumer, mortgage, commercial, commercial real estate) and deposits, supplemented by service charges on accounts, ATM and overdraft fees, wire transfer fees, and merchant services transaction fees from business customers.
CB&S Bank firmographics
Firmographics- Name
- CB&S Bank
- Legal name
- CB&S Bank
- Website
- https://cbsbank.com
- Company type
- Private
- Founded year
- 1906
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- CB&S Bank is a privately held community bank founded in 1906 in Russellville, Alabama, operating 55+ branches across Alabama, Mississippi, Tennessee, and Georgia, providing personal and business banking, lending, treasury management, and merchant services to retail consumers and small and medium businesses.
- Ownership category
- akta.pro rank
CB&S Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
Keywords
Where CB&S Bank is headquartered
LocationHeadquarters
- HQ city
- Russellville
- HQ country
- United States
- HQ region
- North America
Offices56 records
Markets served
CB&S Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Interest Income: Traditional banking revenue generated from interest earned on loans including personal loans, auto loans, home loans, commercial loans, and commercial real estate loans. Interest is earned on deposits including checking accounts, savings accounts, money market accounts, and certificates of deposit.
- Banking Service Fees: Various fee-based services including monthly service charges on certain account types, ATM fees, overdraft fees, wire transfer fees, and merchant services fees from business customers.
- Merchant Services: Payment processing services for business customers accepting debit and credit card payments, generating revenue through transaction fees and service charges.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Business Advantage Money Market - Tiered rate structure |
| Other | One time | Referral program |
| Other | Monthly | Credit cards |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels7 records
CB&S Bank product offering
Product offeringCore offering
CB&S Bank is a community bank that provides personal and business banking products including checking accounts, savings accounts, certificates of deposit, IRAs, home loans, auto loans, personal loans, small business and commercial loans, treasury management, merchant services, and digital banking (mobile and internet banking). The bank distributes these products through 55+ physical branches across Alabama, Mississippi, Tennessee, and Georgia, complemented by Fiserv-powered mobile and online banking channels.
Product overview
CB&S Bank is a community bank offering a comprehensive suite of personal and business banking products. The bank operates on a platform-plus-service model centered around traditional deposit accounts (checking and savings), lending products (personal and business loans), and digital banking services. Personal banking includes Star Account and Star Rewards checking, various savings accounts including Star Savings, Super Star Savers Club for kids, and CDs/IRAs, plus home loans, auto loans, and personal loans. Business banking encompasses Free Business Checking, Business Analysis Checking, Business Interest Checking, and Workplace Advantage checking, along with business savings (Business Savings Account, SEP Account, Business Advantage Money Market). Lending includes Small Business Loans, Commercial Loans, and Commercial Real Estate Loans. Digital banking features Mobile Banking, Mobile Deposit, Internet Banking, Internet Bill Pay, Treasury Management Internet Banking, and eStatements. The bank also offers Merchant Services for payment processing and Personal Investments for wealth management. All products are supported through a network of physical branches and digital channels, powered by Fiserv for mobile banking.
Differentiator
Problem solved
Functional benefit
Products and services
- Star Account Personal checking account with no monthly service charge and a $50 minimum opening balance, featuring unlimited check writing and debit card access for individual customers.
- Star Rewards Account Interest-earning personal checking account that rewards customers for maintaining their banking relationship with CB&S Bank.
- Prime Advantage Checking Premium personal checking account offering enhanced benefits and competitive features for personal banking customers seeking upgraded service.
- All About U Student Account Checking account designed for youth aged 15 to 24 establishing their first banking relationship.
- Golden Customer Club Premium account program offering valued customers exclusive benefits and personalized banking services.
- Star Savings Personal savings account helping customers reach short-term and long-term savings goals with flexible access and competitive interest.
- Star Rewards Savings Interest-earning personal savings account that rewards customers for maintaining their savings balance.
- Super Star Savers Club Savings program designed for kids, encouraging young savers to develop good financial habits.
- Christmas Club Savings Specialized savings account helping customers save for holiday expenses throughout the year.
- Vacation Club Savings
Companies that use CB&S Bank
Customer profileSegments5 records
Ideal customer profiles3 records
CB&S Bank technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature3 records
CB&S Bank partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and major.
- FiservcoreFiserv powers the CB&S Bank Mobile Secure app, providing mobile banking infrastructure including real-time account access, mobile deposits, fund transfers, bill payment, and card management through the mobile device platform.
- ZellecorePartnership with Zelle for person-to-person payment services integrated into the Bill Pay platform, enabling fast, safe money transfers between friends and family directly from CB&S Bank accounts.
- Small Business Administration (SBA)coreCB&S Bank works with the SBA to provide Small Business Administration loans - government-assisted loans with coverage for almost any business purpose including real estate, equipment, working capital, and expansion.
- TAG Bancshares, Inc.majorCBS Banc-Corp (parent company of CB&S Bank) completed the acquisition of TAG Bancshares, Inc. on April 1, expanding the bank's geographic footprint and customer base.
- CB&T (Citizens Bank of Fayetteville)majorFollowing acquisition, CB&T customers are being redirected to CB&S Bank for online account access. CB&T was acquired and integrated into the CB&S Bank network.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
CB&S Bank competitors and assessment
Company assessmentDirect peers
- ServisFirst Bancshares: ServisFirst Bancshares is an Alabama-based commercial bank operating across the Southeast, offering commercial, consumer, and treasury management banking products similar to CB&S Bank. Both serve SMBs and consumer customers across overlapping geographies with comparable community banking models.
- Renasant Corporation: Renasant Corporation is a Mississippi-headquartered community bank operating across the Southeast, including Mississippi, Tennessee, Alabama, and Georgia — directly overlapping with CB&S Bank's footprint. It offers similar consumer, commercial, and mortgage lending products.
- Trustmark Corporation: Trustmark National Bank is a Mississippi-based community bank providing consumer, commercial, and wealth management services across the Southeast. Its product mix, branch-based model, and southeastern geography make it a close comparable to CB&S Bank.
- Cadence Bank: Cadence Bank (formerly BancorpSouth) is a regional commercial bank headquartered in Tupelo, Mississippi, operating across the Southeast and Texas. It serves similar consumer and business banking customers with a comparable full-service community banking platform.
- Pinnacle Financial Partners: Pinnacle Financial Partners is a Tennessee-based community bank serving consumers and SMBs across the Southeast. Its relationship-banking model and southern U.S. footprint overlap directly with CB&S Bank's operations.
- SmartFinancial: SmartFinancial is a Tennessee-based community bank serving consumers and businesses across the Southeast with full-service banking products. Its footprint and community banking model directly overlap with CB&S Bank's operations.
- Simmons First National Corporation: Simmons First National Corporation is an Arkansas-based regional bank with significant operations across the Southeast, including Tennessee and Mississippi. It offers similar consumer and commercial banking services to CB&S Bank.
Broad incumbents
- Regions Financial Corporation: Regions Financial is a large regional bank headquartered in Birmingham, Alabama, with significant branch presence across all four states where CB&S Bank operates. As a broader incumbent, it offers overlapping consumer and commercial banking services at greater scale.
- First Horizon Corporation: First Horizon is a large Tennessee-based regional bank providing consumer, commercial, and wealth management services across the Southeast. As a much larger franchise, it competes broadly with CB&S Bank across overlapping geographies.
Regional players
- Home BancShares: Home BancShares (parent of Centennial Bank) is an Arkansas-based community bank operating across the southern U.S. While not directly in CB&S Bank's core states, it serves similar SMB and consumer banking customers across an adjacent southern footprint.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
CB&S Bank social profiles
Digital presenceCB&S Bank compliance and trust
Trust signalCompliance3 records
CB&S Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
CB&S Bank leadership team
Management profileNumber of profiles
CB&S Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CB&S Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CB&S Bank
What does CB&S Bank do?
CB&S Bank is a community bank that provides personal and business banking products including checking accounts, savings accounts, certificates of deposit, IRAs, home loans, auto loans, personal loans, small business and commercial loans, treasury management, merchant services, and digital banking (mobile and internet banking). The bank distributes these products through 55+ physical branches across Alabama, Mississippi, Tennessee, and Georgia, complemented by Fiserv-powered mobile and online banking channels.
Is CB&S Bank a public or private company?
CB&S Bank is a private company. It is currently operating.
When was CB&S Bank founded?
CB&S Bank was founded in 1906. It employs 501 to 1,000 people.
Where is CB&S Bank based?
CB&S Bank is headquartered in Russellville, United States, in the North America region.
How does CB&S Bank make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are banking Service Fees and merchant Services.
Who are CB&S Bank's main competitors?
Direct peers on record are ServisFirst Bancshares, Renasant Corporation, Trustmark Corporation, Cadence Bank, Pinnacle Financial Partners, SmartFinancial and Simmons First National Corporation. Broad incumbents are Regions Financial Corporation and First Horizon Corporation. Home BancShares is listed as a regional player.
Does CB&S Bank have an API?
No public API is recorded for CB&S Bank.
What industry is CB&S Bank in?
CB&S Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 52211 and its SIC code is 6022.