Community Spirit Bank
Chartered Bank Active FDIC Insured
Health Score
9.2 / 10
200 4th Ave Sw, Red Bay, AL 35582
Financial Overview
Total Assets $225.1M
Total Deposits $202.9M
Profitability (ROA) 1.28%
Shareholder Return (ROE) 15.91%
Capital Cushion (Eq/Assets) 7.99%
Established 03/17/1908
Risk & Growth Profiles
✓ Clean Regulatory Record
No recent history of FDIC conservatorship or financial failure.
Deposit Momentum
$33.8M avg deposits per branch.
Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.
Operations & Contact
Contact
Website: www.communityspirit.bank
FDIC Certificate #: 50
Specialization: Commercial Lending Specialization