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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Red Bay, AL · FDIC certificate #50
COMMUNITY SPIRIT BANK is an FDIC-insured institution based in Red Bay, AL (FDIC certificate #50). In its Q3 2026 Call Report it reported total assets of $232M, total deposits of $211M and net loans of $156M. Its primary federal regulator is FDIC.
Plain-language readout
COMMUNITY SPIRIT BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $232M in Q3 2026 and were lowest at $225M in Q1 2026.
Total deposits were highest at $211M in Q3 2026 and lowest at $203M in Q1 2026.
Over the whole period total assets rose 3.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $232M | $211M | $156M | 1.49% | 18.91% | 4.80% |
| Q2 2026 | $229M | $206M | $149M | 1.39% | 17.21% | 4.75% |
| Q1 2026 | $225M | $203M | $147M | 1.28% | 15.91% | 4.73% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $22.0M | $21.5M | +$505K | +2.3% |
| Federal funds sold | $1.3M | $1.5M | -$175K | -11.6% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $45.4M | $44.0M | +$1.4M | +3.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $149.1M | $147.0M | +$2.1M | +1.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.2M | $5.1M | +$89K | +1.7% |
| Other real estate owned | $69K | $0K | +$69K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $5.7M | $5.9M | -$209K | -3.5% |
| Total assets | $228.8M | $225.1M | +$3.7M | +1.6% |
| Liabilities | ||||
| Total deposits | $205.7M | $202.9M | +$2.8M | +1.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $2.0M | $2.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.6M | $2.2M | +$407K | +18.4% |
| Total liabilities | $210.3M | $207.1M | +$3.2M | +1.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $49K | $49K | $0K | 0.0% |
| Surplus | $5.7M | $5.7M | $0K | 0.0% |
| Retained earnings | $16.8M | $16.5M | +$233K | +1.4% |
| Accumulated other comprehensive income | -$4.0M | -$4.3M | +$292K | +6.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $18.5M | $18.0M | +$525K | +2.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $69K | $60K | +$9K | +15.0% |
| Adjusted nonperforming assets | $69K | $60K | +$9K | +15.0% |
| Tangible equity plus allowance | $20.4M | $19.9M | +$572K | +2.9% |
| Texas ratio (gross) | 0.34% | 0.30% | +0.04 pts | See points |
| Texas ratio (adjusted) | 0.34% | 0.30% | +0.04 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.44% | 1.76% | -0.32 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.73% | 9.85% | -0.12 pts | See points |
| Construction and land loans to total capital | 54.59% | 52.09% | +2.50 pts | See points |
| Commercial real estate to total capital | 123.45% | 118.58% | +4.87 pts | See points |
| Dividend payout, year to date | 50.74% | 25.11% | +25.63 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -18.94% | -20.55% | +1.61 pts | See points |
| Liquidity | ||||
| Core deposits | $164.9M | $162.9M | +$2.0M | +1.2% |
| Non-core funding | $42.8M | $42.0M | +$792K | +1.9% |
| Loans to core deposits | 91.58% | 91.41% | +0.17 pts | See points |
| Loans to deposits | 73.43% | 73.40% | +0.03 pts | See points |
| Brokered deposits share of deposits | 1.70% | 1.11% | +0.59 pts | See points |
| Pledged securities share of securities | 35.84% | 36.31% | -0.46 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $42.8M | $42.0M | +$792K | +1.9% |
| Earnings | ||||
| Earnings before provision, year to date | $1.9M | $934K | +$995K | +106.5% |
| Earnings before provision, single quarter | $995K | $934K | +$61K | +6.5% |
| Provision for credit losses, year to date | $275K | $175K | +$100K | +57.1% |
| Yield and cost | ||||
| Yield on loans and leases | 7.67% | 7.60% | +0.06 pts | See points |
| Yield on interest-bearing balances due from banks | 3.58% | 3.57% | +0.01 pts | See points |
| Total interest income to average assets | 5.88% | 5.85% | +0.04 pts | See points |
| Cost of interest-bearing transaction accounts | 1.01% | 1.01% | -0.00 pts | See points |
| Cost of savings and money market deposits | 0.66% | 0.54% | +0.12 pts | See points |
| Cost of time deposits | 3.19% | 3.21% | -0.02 pts | See points |
| Total interest expense to average assets | 1.52% | 1.52% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $232M | $211M | $156M | 1.49% | 18.91% | 4.80% |
| 2026-06-30 | $229M | $206M | $149M | 1.39% | 17.21% | 4.75% |
| 2026-03-31 | $225M | $203M | $147M | 1.28% | 15.91% | 4.73% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $140.1M | 0.10% | 96 | Continuing · -0.00 pp |
| MS | $53.5M | 0.07% | 74 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.