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Overview / Commentary
200 4th Avenue Sw
Red Bay, AL 35582

Community Spirit Bank is headquartered in Red Bay and is the 74th largest bank in the state of Alabama. It is also the 3,672nd largest bank in the nation. It was established in 1908 and as of December of 2016, it had grown to 39 employees at 5 locations. Community Spirit Bank has a B+ health rating.


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Health Grade Components

FDIC Certificate #50
Year Established1908
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD7.15%
Annual Interest Income$6.2MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$142.1MM$145.6MM
LoansQ4 2016vs Q4 2015$92.7MM$93.2MM
DepositsQ4 2016vs Q4 2015$124.6MM$127.6MM
Equity CapitalQ4 2016vs Q4 2015$14.7MM$14.7MM
Loan Loss AllowanceQ4 2016vs Q4 2015$980.00K$1.0MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$102.00K$208.00K
Real Estate OwnedQ4 2016vs Q4 2015$665.00K$1.0MM
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Community Spirit Bank Checking Account Rates

2.25%*-$10kKasasa Cash
OTHER TIERS: 0.05% $10k+

Community Spirit Bank Locations
Red Bay Branch1007 4th Street NWRed Bay, AL 35582
Russellville Branch14009 Highway 43Russellville, AL 35653
Community Spirit Bank200 4th Avenue SwRed Bay, AL 35582
Vina Branch7141 Highway 19Vina, AL 35593
Belmont Branch342 Second StreetBelmont, MS 38827