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 Community Spirit Bank
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Community Spirit Bank
| RSSD ID 470032 | CERTIFICATE 50 | ABA NUMBER 62203476 |
| 200 4th Ave Sw |
Quarter Ended : |
2026-06-30 |
| Red Bay, Alabama, 35582 |
Updated : |
2026-07-27 |
| www.communityspirit.bank |
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| Institution Profile |
| Year Opened : |
1908 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
Yes |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
6 |
Number of Employees : |
43 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 228,823 |
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Total Interest Income | 6,701 |
| Total Liabilities | 210,316 |
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Total NonInterest Income | 831 |
| Total Bank Equity Capital | 18,507 |
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Total Interest Expense | 1,735 |
| Total Deposits | 205,693 |
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Total NonInterest Expense | 3,868 |
| Net Loans & Leases | 149,096 |
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Net Income | 1,559 |
| Loan Loss Allowance | 1,942 |
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Net Charge Offs | 253 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 150,235 |
| Total assets for the leverage ratio | 231,131 |
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Loans secured by real estate: | 103,547 |
| Tier 1 Leverage Ratio | 9.73 |
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Commercial and industrial loans | 25,449 |
| Off Balance Sheet Exposures (%) | 0.29 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 12,154 |
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:· Community Spirit Bank
