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Community Spirit Bank
Red Bay, AL · FDIC Certificate #50 · Chartered 03/1
Total assets
$228.82M
Total deposits
$205.69M
Total equity
$18.51M
Net loans
$149.10M
Branches (offices)
5
Net income (YTD)
$1.56M
Rank: #2,818 of 4,213 U.S. banks by assets · #58 of 93 in Alabama. Assets changed 7.6% and deposits 6.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.39% |
| Return on equity | 17.21% |
| Net interest margin (YTD) | 4.75% |
| Equity to assets | 8.09% |
| Tier 1 leverage ratio | 9.73% |
| Uninsured deposits (share of deposits) | 18.0% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.34% |
| Loans to deposits | 72.5% |
| Real estate loans (share of loans) | 70.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $105.25M | 70.6% | |
| Commercial & industrial | $25.11M | 16.8% | |
| Consumer / individual | $12.24M | 8.2% | |
| Construction & development | $13.34M | 8.9% | |
| Agricultural | $3.50M | 2.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $185.58M | $169.58M | $826.00K | $12.81M |
| Jun 2023 | $206.19M | $190.25M | $748.00K | $13.01M |
| Jun 2024 | $205.25M | $188.13M | $1.10M | $13.96M |
| Jun 2025 | $212.58M | $193.59M | $1.94M | $15.63M |
| Jun 2026 | $228.82M | $205.69M | $1.56M | $18.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $140.93M | 3 |
| Mississippi | $64.77M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $205.69M.
Similar-sized banks
Town & Country Bank ($228.87M) · The Citizens Bank ($228.59M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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