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 Community Spirit Bank
Community Spirit Bank
| RSSD ID 470032 | CERTIFICATE 50 | ABA NUMBER 62203476 |
| 200 4th Ave Sw |
Quarter Ended : |
2025-12-31 |
| Red Bay, Alabama, 35582 |
Updated : |
2026-01-28 |
| 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 : |
44 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 220,292 |
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Total Interest Income | 12,792 |
| Total Liabilities | 202,414 |
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Total NonInterest Income | 2,444 |
| Total Bank Equity Capital | 17,878 |
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Total Interest Expense | 3,459 |
| Total Deposits | 198,159 |
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Total NonInterest Expense | 7,861 |
| Net Loans & Leases | 144,510 |
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Net Income | 3,562 |
| Loan Loss Allowance | 1,920 |
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Net Charge Offs | 34 |
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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 | 145,250 |
| Total assets for the leverage ratio | 222,440 |
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Loans secured by real estate: | 97,958 |
| Tier 1 Leverage Ratio | 9.77 |
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Commercial and industrial loans | 25,905 |
| Off Balance Sheet Exposures (%) | 0.24 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 11,871 |
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:· Community Spirit Bank
