Branch Network
Community Spirit Bank Locations & Branches Red Bay, Alabama
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Community Spirit Bank operates 5 branches from its headquarters in Red Bay, AL, .
Community Spirit Bank branch network
Its 5 branches span 2 states and 4 cities. The most are in ALABAMA (3) and MISSISSIPPI (2). ALABAMA holds 68.5% of its branch deposits. Red Bay, AL has the most of its branches, 2. Its largest office by deposits is its main office in Red Bay, AL, with $107.3M (52.2% of its branch deposits). It had the same number of branches on June 30, 2025.
Community Spirit Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 9.73% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $228.8M
- Tier 1 leverage ratio, Q2 2026
- 9.73%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1908
Full financial profile · Is Community Spirit Bank safe? · Community Spirit Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Red Bay, AL (2 branches) | 1 of 4 | 43.4% | $107.3M |
| State: AL (3 branches) | 93 of 131 | <0.1% | $140.9M |
Ranked by total assets among banks headquartered in the state: Largest banks in Alabama.
Share by county and metro area
Community Spirit Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Franklin, AL (3 branches) | 2 of 5 | 15.8% | $140.9M | $892.3M |
| Tishomingo, MS (1 branch) | 3 of 4 | 11.5% | $50.1M | $437.1M |
| Itawamba, MS (1 branch) | 5 of 5 | 3.3% | $14.7M | $439.6M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Tupelo, MS (1 branch) | 12 of 15 | 0.2% | $14.7M | $6.50B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Community Spirit Bank (main office) | Red Bay, AL | 35582 | $107.3M |
| Belmont Branch | Belmont, MS | 38827 | $50.1M |
| Russellville Branch | Russellville, AL | 35653 | $33.6M |
| Fulton Branch | Fulton, MS | 38843 | $14.7M |
| Red Bay Branch | Red Bay, AL | 35582 | $0 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 50) · FFIEC NIC profile (RSSD 470032)