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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 50 · AL B · 71/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (71/100)
  • MID-PACK #2932/4307
  • PHOTO-FINISH The Peoples Bank of… · GA
  • TIER1-ADEQ 9.8% Tier 1
  • TEXAS-CLEAN 0.2% Texas
  • ROA-STRONG 1.67% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Alabama: The Peoples Bank of Georgia, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Community Spirit Bank

Lowest and highest poles plus nearest scored peers outside Alabama, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community Spirit Bank · AL ·…71/100Farmers and Merchant… · GA ·…71/100The First National B… · MN ·…71/100The James Polk Stone… · NM ·…71/100The Peoples Bank of… · GA · …71/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Community Spirit Bank · July 2026

What Community Spirit Bank's Call Report plate shows

Community Spirit Bank (FDIC Cert #50) carries a PlainBankData health grade of B at 71/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,932 of 4,307. Tier 1 capital prints at 9.77%, missing the 10% well-capitalized line. The Texas Ratio is 0.22%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.67%. Balance-sheet scale is $220M, 2,898th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Peoples Bank of Georgia (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Community Spirit Bank

7 FAILURE resolutions in Alabama since 2000 (7 since 2008)

Community Spirit Bank's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Community Spirit Bank remains an active FDIC-insured reporter.

  • ALABAMA TRUST BANK, NATIONAL ASSOCIATION SYLACAUGA, AL 2012 → SOUTHERN STATES BANK
  • SUPERIOR BANK BIRMINGHAM, AL 2011 → SUPERIOR BANK, N.A.
  • NEXITY BANK BIRMINGHAM, AL 2011 → ALOSTAR BANK OF COMMERCE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Alabama banks.

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.

0/100100/100National avg77/10071/100
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 Assets

$220M

Total balance-sheet footings

Total Deposits

$198M

Customer-funded liabilities

Net Loans

$145M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.37% 9.77% 11.17%
Basel III capital ratios - Community Spirit Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

71 32nd percentile higher than 32% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Community Spirit Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Community Spirit Bank

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

What these ratios mean →

Earnings posture at Community Spirit Bank

Return on Assets (ROA)
82nd percentile nationally
1.67%
Return on Equity (ROE)
22.18%
Efficiency Ratio
66.75%

What these mean →

Income & expense at Community Spirit Bank

$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.

FDIC Failed Bank List → View Community Spirit Bank on FDIC BankFind →

Top banks in Alabama by total assets

Largest banks headquartered in Alabama
  1. 1
    Regions Bank $157.4B

    Birmingham, AL · Grade A

  2. 2
    ServisFirst Bank $17.7B

    Birmingham, AL · Grade A

  3. 3
    River Bank & Trust $3.8B

    Prattville, AL · Grade A

  4. 4
    Bank Independent $3.0B

    Sheffield, AL · Grade B

  5. 5
    Bryant Bank $2.9B

    Tuscaloosa, AL · Grade A

Top 5 banks in Alabama ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($220M here), outside Alabama so the neighborhood is not state containment.

Bank of Lincoln County $220M · TN First Farmers & Commercial Bank $221M · TN Blue Grass Savings Bank $221M · IA Farmers State Bank $221M · IA

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.

Community Spirit Bank Call Report profile · FDIC Failed Bank List · Alabama FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Alabama

All Alabama banks →
BankAssetsGradeROA
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%