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 67^th largest bank in the state of Alabama. It is also the 3,312^th largest bank in the nation. It was established in 1908 and as of September of 2021, it had grown to 35 employees at 6 locations. Community Spirit Bank has an A health rating.

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Health

Data as of Q3 2021

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Health Grade Components

Overall
FDIC Certificate #	50
Year Established	1908
Employees	35
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.29%
Return on Equity - YTD	12.8%
Annual Interest Income	$5.5MM

Assets and Liabilities
Assets	Q3 2021vs Q3 2020	$176.4MM$159.0MM
Loans	Q3 2021vs Q3 2020	$106.0MM$114.3MM
Deposits	Q3 2021vs Q3 2020	$155.1MM$136.3MM
Equity Capital	Q3 2021vs Q3 2020	$17.7MM$17.1MM
Loan Loss Allowance	Q3 2021vs Q3 2020	$1.4MM$1.3MM
Unbacked Noncurrent Loans	Q3 2021vs Q3 2020	$13.00K$55.00K
Real Estate Owned	Q3 2021vs Q3 2020	$532.00K$625.00K

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
Belmont Branch	342 Second Street	Belmont, MS 38827
Vina Branch	7141 Highway 19	Vina, AL 35593

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