Community Spirit Bank
Red Bay, AL · Cert 50 · Peer group: banks under $1B in assets (n=570-617) · Independent Bancshares Employee STK Ownership Plan
State charter, non-member · FDIC · 5 branches
Q2 2026
$228.8MAssets
$151.0MLoans
$205.7MDeposits
$18.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 78 of 570).
- Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets (rank 567 of 617).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.13%
Rank 264 of 617
Net Interest Margin
4.30%
Rank 94 of 617
Efficiency Ratio
66.72%
Rank 289 of 617
Equity / Assets
8.09%
Rank 537 of 617
Non-interest income vs. expense
Unfavorable gap of $6.1M · efficiency ratio beats 53% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.13% | 0.60% | 1.01% | 1.45% | Beats 57% | 264 / 617 | |
| Return on Equity | 14.03% | 5.30% | 9.43% | 13.30% | Beats 79% | 129 / 617 | |
| Net Interest Margin | 4.30% | 3.04% | 3.54% | 4.05% | Beats 85% | 94 / 617 | |
| Efficiency Ratio | 66.72% | 58.03% | 67.76% | 79.08% | Beats 53% | 289 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.47% | 1.27% | Beats 100% | 78 / 570 | |
| Net Charge-Offs / Loans | 0.19% | n/a | 0.01% | 0.06% | Beats 9% | 521 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 9.73% | 11.18% | 13.83% | 18.55% | Beats 8% | 565 / 617 | |
| Total Risk-Based Capital Ratio | 9.73% | 11.56% | 14.39% | 19.39% | Beats 8% | 567 / 617 | |
| Equity / Assets | 8.09% | 9.03% | 10.55% | 13.63% | Beats 13% | 537 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 73.43% | 64.77% | 79.70% | 93.06% | 38th pctl | 361 / 582 | |
| Loans / Assets | 66.01% | 51.70% | 67.18% | 77.51% | 48th pctl | 321 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |