Overview / Commentary
Community Spirit Bank is headquartered in Red Bay and is the 72nd largest bank in the state of Alabama. It is also the 3,656th largest bank in the nation. It was established in 1908 and as of June of 2016, it had grown to 37 employees at 5 locations. Community Spirit Bank has an A health rating.
Health
A
Data as of Q2 2016
Learn more about bank healthHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 50 |
| Year Established | 1908 |
| Employees | 37 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.69% |
| Return on Equity - YTD | 6.65% |
| Annual Interest Income | $3.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $143.6MM$138.1MM |
| Loans | Q2 2016vs Q2 2015 | $93.5MM$91.4MM |
| Deposits | Q2 2016vs Q2 2015 | $125.4MM$120.4MM |
| Equity Capital | Q2 2016vs Q2 2015 | $15.1MM$14.2MM |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $1.2MM$971.00K |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $142.00K$209.00K |
| Real Estate Owned | Q2 2016vs Q2 2015 | $956.00K$1.8MM |
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 |