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Community Spirit Bank


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 67th largest bank in the state of Alabama. It is also the 3,322nd largest bank in the nation. It was established in 1908 and as of December of 2020, it had grown to 36 employees at 6 locations. Community Spirit Bank has an A health rating.

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Health
A

Data as of Q4 2020

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Health Grade Components

Overall
FDIC Certificate #50
Year Established1908
Employees36
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.16%
Return on Equity - YTD10.9%
Annual Interest Income$7.4MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$167.4MM$152.6MM
LoansQ4 2020vs Q4 2019$110.2MM$102.2MM
DepositsQ4 2020vs Q4 2019$145.6MM$131.7MM
Equity CapitalQ4 2020vs Q4 2019$17.4MM$16.3MM
Loan Loss AllowanceQ4 2020vs Q4 2019$1.3MM$1.1MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$94.00K$46.00K
Real Estate OwnedQ4 2020vs Q4 2019$604.00K$688.00K
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*-$10kKasasa Cash
OTHER TIERS: 0.05% → $10k+
Locations


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
Belmont Branch342 Second StreetBelmont, MS 38827
Vina Branch7141 Highway 19Vina, AL 35593

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