Total Assets
$228.8M
Total Deposits
$205.7M
Branches
6
Established
1908
Community Spirit Bank is a bank headquartered in Red Bay, Alabama, established in 1908. It holds $228.8M in total assets across 6 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Community Spirit Bank earns a TFS Financial Health Grade of B+ (81.9/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
81.9 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Community Spirit BankHQ | 200 4th Ave Sw | Red Bay | AL | 11 |
| Community Spirit Bank | 1007 4th St Nw | Red Bay | AL | 11 |
| Community Spirit Bank | 14009 Highway 43 | Russellville | AL | 11 |
| Community Spirit Bank | 14220 Highway 187 | Russellville | AL | 28 |
| Community Spirit Bank | 342 2nd St | Belmont | MS | 11 |
| Community Spirit Bank | 100 Pierce Town Rd | Fulton | MS | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
81.9
Tier 1 capital ratio
9.73%
Return on assets
1.39%
Non-performing loans
0.00%
Efficiency ratio
66.72%
Asset growth (YoY)
7.64%
Suggested direct comparisons
Prattville, AL
$4.0B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.