COMMUNITY SPIRIT BANK

RED BAY, AL | Small | Est. March 17, 1908, midnight | FDIC #50 | RSSD #470032 | FDIC
Latest Report: 2025-12-31

COMMUNITY SPIRIT BANK is asn small FDIC-insured commercial bank headquartered in RED BAY, AL, established in March 17, 1908, midnight. As of 2025-12-31, the bank reported total assets of $220M and total deposits of $198M. Profitability stands at 1.50% ROA and 18.72% ROE, with a net interest margin of 4.96%. The bank's CET1 capital ratio is 8.12%. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.22%. FDIC Certificate #50.

Assets

$220M

Deposits

$198M

Loans

$146M

Equity

$18M

Profitability

Return on Assets (ROA) 1.50%
Return on Equity (ROE) 18.72%
Net Interest Margin (NIM) 4.96%
Yield on Assets 6.68%
Cost of Funds 1.75%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.22%
NPA Ratio 0.02%
ACL / Loans 1.31%

Capital & Liquidity

CET1 Ratio 8.12%
Tier 1 Capital 8.12%
Total Capital Ratio 8.52%
Leverage Ratio 9.77%
Loan-to-Deposit 73.90%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required