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	$0
Net Income	$801.00k
Net Loans and Leases	$141.09M
Assets Per Employee ($Millions)	$0M
Bank Premises and Fixed Assets	$0
Cash and Balances due from Depository Institutions	$0
Deposits Held in Domestic Offices	$0

Key Performance Ratios

Return on Assets (ROA)	0%
Return on Equity (ROE)	0%
Net Interest Margin	0%
Efficiency Ratio	0%
Tier 1 Risk-Based Capital Ratio	0%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	0%
Earning Assets to total Assets	0%

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	$0
Provision for Credit Losses	$0
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	$0
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$0
Total Liabilities and Capital	$0

Securities

Securities	$0
Available-for-sale debt securities	$0
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

About Community Spirit Bank

Explore the latest call report data for Community Spirit Bank. Review total assets, deposits, income and expense breakdowns, and trends over time. Compare with similar institutions in the same city, state, and asset tier.

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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?

Not available.

Is this bank FDIC insured?

Institutions that are currently open and insured by the FDIC.

How many domestic offices does it operate?

When was it established?

03/17/1908.

Who is the primary regulator?

FDIC.