Headquartered in Red Bay, Alabama, Community Spirit Bank is a state-chartered bank with $228.8M in total assets and $205.7M in deposits as of Q2 2026. It operates 6 offices across 2 states. Its charter dates back to 1908.
Community Spirit Bank has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 29th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (47/100, 9.73%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (80 → 77), mostly because the earnings component weakened by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 76 |
| Q4 2024 | 76 |
| Q1 2025 | 82 |
| Q2 2025 | 80 |
| Q3 2025 | 80 |
| Q4 2025 | 79 |
| Q1 2026 | 76 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.39% |
| Q3 2024 | 9.47% |
| Q4 2024 | 9.49% |
| Q1 2025 | 9.56% |
| Q2 2025 | 9.56% |
| Q3 2025 | 9.69% |
| Q4 2025 | 9.77% |
| Q1 2026 | 9.85% |
| Q2 2026 | 9.73% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.05% |
| Q1 2025 | 0.04% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.04% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.09% |
| Q3 2024 | 1.36% |
| Q4 2024 | 1.39% |
| Q1 2025 | 2.29% |
| Q2 2025 | 1.84% |
| Q3 2025 | 1.72% |
| Q4 2025 | 1.67% |
| Q1 2026 | 1.28% |
| Q2 2026 | 1.39% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $228.8M | 9.73% | 0.00% | 1.39% | 72.5% |
| Q1 2026 | 76 | $225.1M | 9.85% | 0.04% | 1.28% | 72.5% |
| Q4 2025 | 79 | $220.3M | 9.77% | 0.03% | 1.67% | 72.9% |
| Q3 2025 | 80 | $215.3M | 9.69% | 0.00% | 1.72% | 72.4% |
| Q2 2025 | 80 | $212.6M | 9.56% | 0.02% | 1.84% | 71.8% |
| Q1 2025 | 82 | $211.9M | 9.56% | 0.04% | 2.29% | 70.0% |
| Q4 2024 | 76 | $209.5M | 9.49% | 0.05% | 1.39% | 68.3% |
| Q3 2024 | 76 | $207.8M | 9.47% | 0.04% | 1.36% | 68.9% |
| Q2 2024 | 74 | $205.3M | 9.39% | 0.01% | 1.09% | 68.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens BankBank Enterprise, AL | 70 out of 100, Strong | $233.3M | 10.6% | 0.42% | vs |
| BankSouthBank Dothan, AL | 84 out of 100, Strong | $221.5M | 19.1% | 0.02% | vs |
| Friend BankBank Slocomb, AL | 85 out of 100, Very strong | $221.0M | 13.5% | 0.48% | vs |
| The First National Bank and TrustBank Atmore, AL | 74 out of 100, Strong | $238.6M | 11.5% | 0.10% | vs |
| First Bank of BoazBank Boaz, AL | 88 out of 100, Very strong | $239.8M | 19.7% | 0.05% | vs |
| Union State BankBank Pell City, AL | 50 out of 100, Below average | $212.5M | 9.6% | 2.00% | vs |
Deposit insurance
Is my money safe at Community Spirit Bank?
Yes. Community Spirit Bank is an FDIC-insured institution (FDIC certificate #50). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.0% of deposits ($37.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.73%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
6 locations
Branches
Community Spirit Bank lists 5 offices in 4 cities across 2 states. Most locations:
- Red Bay, AL (2)
- Belmont, MS (1)
- Fulton, MS (1)
- Russellville, AL (1)
Identity & history
Profile
- Legal name
- Community Spirit Bank
- Former names
- Bank of Red Bay
- Type
- State-chartered bank
- FDIC certificate #
- 50
- RSSD ID
- 470032
- Primary regulator
- FDIC
- Holding company
- Independent Bancshares Employee Stk Ownership Plan
- Established
- March 17, 1908
- Headquarters
- 200 4th Ave Sw, Red Bay, AL 35582
- Website
- www.communityspirit.bank
- Employees
- 43
Quick answers
Community Spirit Bank: common questions
Is Community Spirit Bank FDIC insured?
Yes. Community Spirit Bank is an FDIC-insured institution (FDIC certificate #50). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Community Spirit Bank's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Community Spirit Bank ever failed?
There is no failure record for FDIC certificate #50 in the FDIC failed bank list.
How many branches does Community Spirit Bank have?
6 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Red Bay
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| TVA Community Credit UnionCredit union Muscle Shoals, AL | 90 out of 100, Very strong | $429.0M | 18.4% | 0.32% | vs |
| Valley Credit UnionCredit union Tuscumbia, AL | 84 out of 100, Strong | $112.9M | 14.0% | 0.20% | vs |
| Valley State BankBank Russellville, AL | 82 out of 100, Strong | $169.5M | 17.8% | 0.97% | vs |
| Farmers and Merchants BankBank Baldwyn, MS | 77 out of 100, Strong | $565.8M | 14.2% | 1.69% | vs |
| PeoplesTrust BankBank Hamilton, AL | 73 out of 100, Strong | $201.2M | 11.1% | 0.45% | vs |
| Alabama Central Credit UnionCredit union Birmingham, AL | 69 out of 100, Moderate | $214.0M | 9.6% | 0.44% | vs |