# CB&S Bank, Inc.

> **Canonical URL:** https://saferate.com/lenders/cbs-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


CB&S Bank, Inc. is a bank, headquartered in Russellville, AL, serving borrowers across 5 states, with 268 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 69% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 52% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300RTWPH3HXUWR160
- **Headquarters:** Russellville, AL
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AL, FL, GA, MS, TN
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 31/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.230%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,634
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 268
- **Dollar Volume:** $73 million
- **Applications Received:** 411
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $270,597
- **Average Borrower Income:** $139,228
- **Average Property Value:** $379,776

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 56/100 | 234 | +0.252% | $1,588 | Sound ☺️ |
| VA | 55/100 | 12 | -0.311% | $1,451 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 174 loans, Score: 55/100 (Sound)
- Refinance: 60 loans, Score: 50/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 54/100 | 207 | $60M | +0.235% | Sound ☺️ |
| Refinance | 46/100 | 61 | $12M | +0.209% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 167 | 0.28% | 78/100 |
| TN | 59 | 0.06% | 61/100 |
| MS | 40 | 0.16% | 59/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 145 | 63/100 |
| Huntsville, AL | AL | 37 | 65/100 |
| Florence | AL | 24 | 60/100 |
| Decatur, AL | AL | 19 | 60/100 |
| Montgomery, AL | AL | 15 | 52/100 |
| Birmingham, AL | AL | 11 | 45/100 |

## Where This Lender Ranks

CB&S Bank, Inc. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Florence Banks
  - [View Full Rankings](https://saferate.com/florence/best-mortgage-lenders/banks)
- 🏆 **#11** in Florence for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/florence/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#12** in Huntsville, AL for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/huntsville-al/best-mortgage-lenders/banks/va-loans)
- 🏆 **#14** in Decatur, AL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/decatur-al/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#15** in Montgomery, AL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/montgomery-al/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#17** in Florence
  - [View Full Rankings](https://saferate.com/florence/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does CB&S Bank, Inc. offer?

CB&S Bank, Inc. offers the following mortgage loan types: Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CB&S Bank, Inc. offer mortgages?

CB&S Bank, Inc. offers mortgages in 5 states: AL, FL, GA, MS, TN.

### How competitive are CB&S Bank, Inc.'s mortgage rates?

CB&S Bank, Inc. has a pricing score of 31/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.230% above market average.

### What type of lender is CB&S Bank, Inc.?

CB&S Bank, Inc. is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Russellville, AL.

### What is CB&S Bank, Inc.'s loan approval success rate?

CB&S Bank, Inc. has a pull-through score of 48/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/cbs-bank

### How to Cite

> "CB&S Bank, Inc. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cbs-bank

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