Community Spirit Bank
Red Bay, AL
IDRSSD: 470032
Total Assets
$215.28M
Latest filing
Total Deposits
$194.84M
Latest filing
Net Interest Margin
4.86%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Community Spirit Bank
200 4th Ave Sw
Red Bay, AL 35582
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/17/1908FDIC Certificate 31
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Community Spirit Bank (Main) | 200 4th Ave Sw | Red Bay, AL |
| RUSSELLVILLE BRANCH | 14009 Highway 43 | Russellville, AL |
| RED BAY BRANCH | 1007 4th St Nw | Red Bay, AL |
| BELMONT BRANCH | 342 2nd St | Belmont, MS |
| COMMUNITY SPIRIT BANK BULLDOG BRANCH | 14220 Highway 187 | Russellville, AL |
| FULTON BRANCH | 100 Pierce Town Rd | Fulton, MS |
Showing 5 of 5
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/17/1908 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35582 |
| State and County Number | 01059 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 46 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.communityspirit.bank |
| Data Updated | 11/14/2025 |
| CERT | 50 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $215.28M |
| Total Deposits | $194.84M |
| Total Liabilities | $198.23M |
| Total Equity Capital | $17.04M |
| Net Income | $801.00k |
| Net Loans and Leases | $141.09M |
| Assets Per Employee ($Millions) | $4.68M |
| Bank Premises and Fixed Assets | $5.15M |
| Cash and Balances due from Depository Institutions | $17.05M |
| Deposits Held in Domestic Offices | $194.84M |
Key Performance Ratios
| Return on Assets (ROA) | 1.5% |
| Return on Equity (ROE) | 19.61% |
| Net Interest Margin | 4.86% |
| Efficiency Ratio | 68.85% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.917% |
| Earning Assets to total Assets | 92.52% |
Income and Expense
| Total Interest Income | $3.27M |
| Total Noninterest Income | $470.00k |
| Total Interest Expense | $868.00k |
| Total Noninterest Expense | $1.98M |
| Net Interest Income | $2.40M |
| Pre-tax Net Operating Income | $852.00k |
| Provision for Credit Losses | $42.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $1.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.45M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.39M |
| Total Liabilities and Capital | $215.28M |
Securities
| Securities | $44.69M |
| Available-for-sale debt securities | $44.69M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Community Spirit Bank?
$215.28M as of the latest filing.
How much are Community Spirit Bank's total deposits?
$194.84M in total deposits.
Where is Community Spirit Bank located?
Red Bay, AL.
What is the Net Interest Margin?
4.86%.
How many domestic offices does it operate?
6.
When was it established?
03/17/1908.
What is the Return on Assets (ROA)?
1.5%.
How much are total loans and leases?
$141.09M (latest filing).
What is the total interest income (latest filing)?
$3.27M.