Community Spirit Bank

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LOCATIONS

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

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Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.communityspirit.bank

256-356-4445

200 4th Avenue Sw
Red Bay, AL 35582

Community Spirit Bank is headquartered in RED BAY and is the 60^th largest bank in the state of Alabama. It is also the 2,965^th largest bank in the nation. It was established in 1908 and as of March of 2025, it had grown to 45 employees at 6 locations. Community Spirit Bank has an A health rating.

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Health

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	50
Year Established	1908
Employees	45
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	2.29%
Return on Equity - YTD	32.5%
Annual Interest Income	$3MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$211.9MM$198.5MM
Loans	Q1 2025vs Q1 2024	$135.6MM$122MM
Deposits	Q1 2025vs Q1 2024	$193.6MM$181.7MM
Equity Capital	Q1 2025vs Q1 2024	$15.2MM$14.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.8MM$1.5MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$51K$22K
Real Estate Owned	Q1 2025vs Q1 2024	$0$336K

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Rates for Community Spirit Bank are currently being reviewed.

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 Ave Sw	Red Bay, AL 35582
Belmont Branch	342 Second Street	Belmont, MS 38827
Vina Branch	7141 Highway 19	Vina, AL 35593

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