BanksCOMMUNITY SPIRIT BANK

COMMUNITY SPIRIT BANK

RED BAY, ALSmallEst. March 17, 1908, midnightFDIC #50RSSD #470032FDIC
Latest · 2025-12-31

COMMUNITY SPIRIT BANK is an 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%. CET1 capital ratio: 8.12%. NPL ratio: 0.03% · Texas Ratio: 0.22%. Operates 5 domestic branches.

Assets
$220M
Deposits
$198M
Loans
$146M
Equity
$18M

Profitability

Return on Assets (ROA)1.50%
Return on Equity (ROE)18.72%
Net Interest Margin4.96%
Yield on Assets6.68%
Cost of Funds1.75%

Asset Quality

NPL Ratio0.03%
Net Charge-Off Ratio0.02%
Texas Ratio0.22%
NPA Ratio0.02%
ACL / Loans1.31%

Capital & Liquidity

CET1 Ratio8.12%
Tier 1 Capital8.12%
Total Capital Ratio8.52%
Leverage Ratio9.77%
Loan-to-Deposit73.90%

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