Total Assets
$220M
Total balance-sheet footings
FDIC Cert #50 · Red Bay, Alabama · Est. 1908
Community Spirit Bank - FDIC Bank Health Profile
A community-scale look at Community Spirit Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $220M
- Total assets
- B
- Health grade · Good
- 1.67%
- Return on assets
- 9.8%
- Tier 1 capital
Data updated July 2026
The verdict
Community Spirit Bank earns a PlainBankData health grade of B (71/100), with 9.77% Tier 1 capital, profitable at 1.67% ROA, 67% efficiency ratio.
- #2,898
- largest of 4,313 FDIC banks by assets
- 33rd
- percentile by asset size, nationally
- 9.77%
- Tier 1 ratio - below the 10% well-capitalized line
- 82nd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Community Spirit Bank's 71/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Community Spirit Bank's composite health score
Tier 1 Capital Ratio (9.77%) 18/40
Return on Assets (ROA) (1.67%) 25/25
Texas Ratio (0.22%) 20/20
Efficiency Ratio (66.75%) 8/15
71 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$198M
Customer-funded liabilities
Net Loans
$145M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Community Spirit Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Community Spirit Bank's score of 71/100 falls in the highlighted band.
Community Spirit Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Community Spirit Bank's $220M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.77% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.77%
Texas Ratio
0.22%
Equity Capital
$18M
Profitability metrics
Return on Assets (ROA)
82nd percentile nationally
1.67%
Return on Equity (ROE)
22.18%
Efficiency Ratio
66.75%
What the numbers say about Community Spirit Bank
Community Spirit Bank is an FDIC-insured institution (Certificate #50) headquartered in Red Bay, Alabama, established in 1908. It holds $220M in total assets - 2,898th of 4,313 FDIC-insured banks, $198M in customer deposits, and $145M in net loans. On safety, its Tier 1 capital ratio of 9.77% is below the 10% well-capitalized threshold, and its Texas Ratio of 0.22% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (71/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Alabama, Community Spirit Bank ranks 58th of 94 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$13M
Interest Income
$2M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Community Spirit Bank reports a Texas Ratio of 0.22% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.22% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Alabama by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community Spirit Bank (FDIC Cert #50) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Alabama
All Alabama banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Regions BankBirmingham | $157.4B | A | 1.43% |
| ServisFirst BankBirmingham | $17.7B | A | 1.58% |
| River Bank & TrustPrattville | $3.8B | A | 1.18% |
| Bank IndependentSheffield | $3.0B | B | 1.01% |
| Bryant BankTuscaloosa | $2.9B | A | 1.69% |
| CB&S Bank, Inc.Russellville | $2.9B | C | 0.85% |
| Oakworth Capital BankBirmingham | $2.0B | B | 1.17% |
| Troy Bank & Trust CompanyTroy | $1.6B | A | 1.34% |
Frequently asked questions
What is Community Spirit Bank's health grade?▼
Community Spirit Bank receives a health grade of B (71/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Community Spirit Bank?▼
Community Spirit Bank holds $220M in total assets and $198M in deposits, ranking 2,898th of 4,313 FDIC-insured banks by asset size. It is headquartered in Red Bay, Alabama.
Is my money safe at Community Spirit Bank?▼
Yes, deposits at Community Spirit Bank (Certificate #50) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Community Spirit Bank's Tier 1 Capital Ratio?▼
Community Spirit Bank has a Tier 1 Capital Ratio of 9.77%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Community Spirit Bank?▼
Community Spirit Bank has a Texas Ratio of 0.22%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Community Spirit Bank?▼
Community Spirit Bank has an Efficiency Ratio of 66.75%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Community Spirit Bank's profile as a depositor or analyst.
- Community Spirit Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Community Spirit Bank against other Alabama banks before moving funds. Alabama banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.