Overview / Commentary
Community Spirit Bank is headquartered in Red Bay and is the 71st largest bank in the state of Alabama. It is also the 3,424th largest bank in the nation. It was established in 1908 and as of March of 2019, it had grown to 39 employees at 5 locations. Community Spirit Bank has an A health rating.
Health
A
Data as of Q1 2019
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 50 |
| Year Established | 1908 |
| Employees | 39 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.85% |
| Return on Equity - YTD | 7.98% |
| Annual Interest Income | $1.7MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2019vs Q1 2018 | $147.3MM$143.2MM |
| Loans | Q1 2019vs Q1 2018 | $96.8MM$94.1MM |
| Deposits | Q1 2019vs Q1 2018 | $126.3MM$124.0MM |
| Equity Capital | Q1 2019vs Q1 2018 | $16.0MM$14.9MM |
| Loan Loss Allowance | Q1 2019vs Q1 2018 | $1.1MM$1.1MM |
| Unbacked Noncurrent Loans | Q1 2019vs Q1 2018 | $32.00K$1.1MM |
| Real Estate Owned | Q1 2019vs Q1 2018 | $938.00K$159.00K |
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 |
| Vina Branch | 7141 Highway 19 | Vina, AL 35593 |
| Belmont Branch | 342 Second Street | Belmont, MS 38827 |