Community Spirit Bank is headquartered in RED BAY and is the 59^th largest bank in the state of Alabama. It is also the 2,991^st largest bank in the nation. It was established in 1908 and as of September of 2024, it had grown to 43 employees at 7 locations. Community Spirit Bank has a B+ health rating.

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Health

B+

Data as of Q3 2024

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Health Grade Components

Overall
FDIC Certificate #	50
Year Established	1908
Employees	43
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.36%
Return on Equity - YTD	19.07%
Annual Interest Income	$8.6MM

Assets and Liabilities
Assets	Q3 2024vs Q3 2023	$207.8MM$202.2MM
Loans	Q3 2024vs Q3 2023	$130.2MM$119.1MM
Deposits	Q3 2024vs Q3 2023	$188.9MM$187.6MM
Equity Capital	Q3 2024vs Q3 2023	$15.8MM$11.3MM
Loan Loss Allowance	Q3 2024vs Q3 2023	$1.8MM$1.6MM
Unbacked Noncurrent Loans	Q3 2024vs Q3 2023	$52K$618K
Real Estate Owned	Q3 2024vs Q3 2023	$319K$0

TODAY'S FEATURED RATES

Member FDIC

4.50%

Our Rating

3.5 / 5

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Rates

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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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