Community Spirit Bank is a bank based in Red Bay, Alabama, established in 1908, with $225 million in total assets across 6 branches. By Trust Grade it ranks 61st of 93 banks we track in Alabama. Its capital ratio of 8.0% trails most similarly sized banks (15th percentile), versus a Alabama median of 10%. It was profitable over the most recent period, with a 1.28% return on assets. No consumer complaints against Community Spirit Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Community Spirit Bank compares to Alabama peers
How we graded Community Spirit Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.0% capital ratio)
- Strongly profitable (ROA 1.28%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Community Spirit Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (6)
- 14009 Highway 43, Russellville, AL 35653
- 200 4th Ave Sw, Red Bay, AL 35582
- 1007 4th St Nw, Red Bay, AL 35582
- 342 2nd St, Belmont, MS 38827
- 14220 Highway 187, Russellville, AL 35653
- 100 Pierce Town Rd, Fulton, MS 38843
Are deposits at Community Spirit Bank insured?
Yes. Community Spirit Bank is an FDIC-insured bank (FDIC certificate #50). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Community Spirit Bank: frequently asked questions
Is Community Spirit Bank a good bank?
Community Spirit Bank earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Well-capitalized (8.0% capital ratio); Strongly profitable (ROA 1.28%).
Is Community Spirit Bank FDIC-insured?
Yes. Community Spirit Bank is a FDIC-insured bank (FDIC certificate #50). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Community Spirit Bank?
Community Spirit Bank holds $225 million in total assets, ranking 61st of 93 banks we track in Alabama. It operates 6 branches.
Does Community Spirit Bank have CFPB complaints?
No CFPB complaints against Community Spirit Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
