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 66^th largest bank in the state of Alabama. It is also the 3,328^th largest bank in the nation. It was established in 1908 and as of June of 2020, it had grown to 40 employees at 6 locations. Community Spirit Bank has an A health rating.

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Health

Data as of Q2 2020

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Health Grade Components

Overall
FDIC Certificate #	50
Year Established	1908
Employees	40
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.09%
Return on Equity - YTD	10.21%
Annual Interest Income	$3.7MM

Assets and Liabilities
Assets	Q2 2020vs Q2 2019	$162.0MM$148.5MM
Loans	Q2 2020vs Q2 2019	$111.2MM$99.2MM
Deposits	Q2 2020vs Q2 2019	$139.6MM$127.0MM
Equity Capital	Q2 2020vs Q2 2019	$17.1MM$16.3MM
Loan Loss Allowance	Q2 2020vs Q2 2019	$1.2MM$1.2MM
Unbacked Noncurrent Loans	Q2 2020vs Q2 2019	$72.00K$41.00K
Real Estate Owned	Q2 2020vs Q2 2019	$646.00K$823.00K

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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