Community Spirit Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community Spirit Bank of Red Bay, AL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.46% | 1.34% | +0.12% | 61st above |
| ROAE | 18.55% | 13.31% | +5.24% | 82nd top |
| Net Interest Margin | 4.72% | 3.93% | +0.79% | 86th top |
| Efficiency Ratio | 65.13% | 61.14% | +3.99% | 39th below |
| PPNR / Avg Assets | 1.72% | 1.68% | +0.04% | 58th above |
| Yield on Earning Assets | 6.33% | 5.67% | +0.66% | 82nd top |
| Cost of Funds | 1.71% | 1.88% | -0.17% | 56th above |
| Net Interest Spread | 4.08% | 3.32% | +0.76% | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 0.94% | -0.79% | 68th above |
| NPA / Total Assets | 0.13% | 0.70% | -0.57% | 66th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.14% | 0.16% | -0.02% | 16th bottom |
| ACL / Total Loans | 1.29% | 1.28% | +0.01% | 60th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 859.29% | 1538.84% | -679.55% | 80th top |
| Texas Ratio | 1.44% | 7.33% | -5.89% | 68th above |
| Provision / NCO | 108.70% | 1395.92% | -1287.22% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.73% | 12.14% | -2.41% | 26th below |
| Equity / Assets | 8.09% | 11.38% | -3.29% | 15th bottom |
| TCE / Tangible Assets | 8.09% | 11.09% | -3.00% | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.43% | 80.64% | -7.21% | 65th above |
| Core Deposit Ratio | 80.18% | 86.86% | -6.68% | 17th bottom |
| Wholesale Funding Ratio | 0.87% | 5.03% | -4.16% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.64% | 6.85% | +0.79% | 73rd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.21% | 7.90% | -0.69% | 61st above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.25% | 6.29% | -0.04% | 66th above |
See Community Spirit Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community Spirit Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Community Spirit Bank profile, how to read a UBPR, or how this data updates.