Community Spirit Bank


Overview / Commentary
256-356-4445
200 4th Avenue Sw
Red Bay, AL 35582

Community Spirit Bank is headquartered in Red Bay and is the 66th largest bank in the state of Alabama. It is also the 3,328th 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

Health Grade Components

Overall
FDIC Certificate #50
Year Established1908
Employees40
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.09%
Return on Equity - YTD10.21%
Annual Interest Income$3.7MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$162.0MM$148.5MM
LoansQ2 2020vs Q2 2019$111.2MM$99.2MM
DepositsQ2 2020vs Q2 2019$139.6MM$127.0MM
Equity CapitalQ2 2020vs Q2 2019$17.1MM$16.3MM
Loan Loss AllowanceQ2 2020vs Q2 2019$1.2MM$1.2MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$72.00K$41.00K
Real Estate OwnedQ2 2020vs Q2 2019$646.00K$823.00K
Rates
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Community Spirit Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*-$10kKasasa Cash
OTHER TIERS: 0.05% $10k+
Locations


Community Spirit Bank Locations
Red Bay Branch1007 4th Street NWRed Bay, AL 35582
Russellville Branch14009 Highway 43Russellville, AL 35653
Community Spirit Bank200 4th Avenue SwRed Bay, AL 35582
Belmont Branch342 Second StreetBelmont, MS 38827
Vina Branch7141 Highway 19Vina, AL 35593

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