Overview / Commentary
Community Spirit Bank is headquartered in Red Bay and is the 71st largest bank in the state of Alabama. It is also the 3,511th largest bank in the nation. It was established in 1908 and as of September of 2018, it had grown to 38 employees at 5 locations. Community Spirit Bank has a B+ health rating.
Health
B+
Data as of Q3 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 50 |
| Year Established | 1908 |
| Employees | 38 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.19% |
| Return on Equity - YTD | 11.32% |
| Annual Interest Income | $4.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2018vs Q3 2017 | $142.5MM$142.2MM |
| Loans | Q3 2018vs Q3 2017 | $97.7MM$96.0MM |
| Deposits | Q3 2018vs Q3 2017 | $123.1MM$122.5MM |
| Equity Capital | Q3 2018vs Q3 2017 | $15.1MM$15.3MM |
| Loan Loss Allowance | Q3 2018vs Q3 2017 | $1.1MM$1.0MM |
| Unbacked Noncurrent Loans | Q3 2018vs Q3 2017 | $327.00K$247.00K |
| Real Estate Owned | Q3 2018vs Q3 2017 | $803.00K$40.00K |
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
Community Spirit Bank Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.25%* | - | $10k | Kasasa Cash | ||
| OTHER TIERS: 0.05% → $10k+ | |||||
Locations
| Community Spirit Bank Locations | ||
|---|---|---|
| Red Bay Branch | 1007 4th Street NW | Red Bay, AL 35582 |
| Russellville Branch | 14009 Highway 43 | Russellville, AL 35653 |
| Community Spirit Bank | 200 4th Avenue Sw | Red Bay, AL 35582 |
| Vina Branch | 7141 Highway 19 | Vina, AL 35593 |
| Belmont Branch | 342 Second Street | Belmont, MS 38827 |