Community Spirit Bank

BankRed Bay, Alabama
www.communityspirit.bank

Total Assets

$220.3M

Total Deposits

$198.2M

Branches

6

Established

1908

TFS Health Grade

$
C-

72.0 / 100

Average financial health

How we grade

Community Spirit Bank is a bank headquartered in Red Bay, Alabama, established in 1908. With $220.3M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C- (72.0/100).

Capital & Safety

Tier 1 Capital Ratio
9.77%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.03%

Profitability

Return on Assets (ROA)
1.67%(1%)
Return on Equity (ROE)
22.18%(10%)
Net Interest Margin
4.74%
Efficiency Ratio
66.75%(60%)

Lending & Liquidity

Total Loans
$146.4M
Loan-to-Deposit Ratio
72.93%
Net Charge-Off Ratio
0.02%

Growth

Asset Growth (YoY)
+5.17%
Deposit Growth (YoY)
+3.11%
Net Income
$3.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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