Community Spirit Bank
Red Bay, AL · Cert 50 · Peer group: banks under $1B in assets (n=581-629) · 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 81 of 581).
- Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets (rank 577 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.13%
Rank 265 of 629
Net Interest Margin
4.30%
Rank 99 of 629
Efficiency Ratio
66.72%
Rank 295 of 629
Equity / Assets
8.09%
Rank 548 of 629
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 58% | 265 / 629 | |
| Return on Equity | 14.03% | 5.38% | 9.30% | 13.28% | Beats 79% | 131 / 629 | |
| Net Interest Margin | 4.30% | 3.03% | 3.54% | 4.05% | Beats 84% | 99 / 629 | |
| Efficiency Ratio | 66.72% | 58.35% | 67.79% | 79.08% | Beats 53% | 295 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.19% | n/a | 0.01% | 0.06% | Beats 9% | 529 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 9.73% | 11.24% | 13.84% | 18.77% | Beats 9% | 575 / 629 | |
| Total Risk-Based Capital Ratio | 9.73% | 11.58% | 14.43% | 19.66% | Beats 8% | 577 / 629 | |
| Equity / Assets | 8.09% | 9.09% | 10.65% | 13.80% | Beats 13% | 548 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 73.43% | 67.24% | 80.90% | 93.48% | 35th pctl | 384 / 594 | |
| Loans / Assets | 66.01% | 53.31% | 67.71% | 78.15% | 46th pctl | 338 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |