# COMMUNITY SPIRIT BANK
RED BAY, AL · FDIC certificate 50 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $228.8M | |
| Deposits | $205.7M | |
| Loans and leases | $151.0M | |
| Total equity | $18.5M | |
| Loans / deposits | 72.48% (p48 of band) | 73.59% |
| Liquid assets / assets | 30.05% (p44 of band) | |
| Uninsured deposits / deposits | 18.02% (p43 of band) | 19.81% |
| Brokered deposits | 1.53% | |
| Wholesale funding | 2.40% (p61 of band) | |
| FHLB advances / assets | 0.87% | |
| Tier 1 leverage | 9.73% (p21 of band) | 11.76% |
| Unrealized securities loss / equity | -23.02% (p20 of band) | -6.57% |
| AOCI / equity | -0.75% (p34 of band) | |
| ROA (annualized) | 1.39% (p62 of band) | 1.17% |
| Net interest margin | 4.75% (p84 of band) | 3.93% |
| Efficiency ratio | 66.72% (p53 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.23% (p93 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 70% | |
| Construction % of loans | 72.07% (p88 of band) | |
| Auto loans | $4.5M (3.00% of loans; DQ 0.77%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 43 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 2 | losing money, reserve under noncurrent |  |
| 2014-12 | 2 | charge-offs p90 | losing money |
| 2015-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | charge-offs p90 |  |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 3 | charge-offs p90 |  |
| 2024-03 | 1 |  | capital falling, charge-offs p90 |
| 2024-06 | 2 | uninsured deposits leaving |  |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity | uninsured deposits leaving |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-10-29 [Banking in the blood: A family of bankers in Red Bay - businessalabama.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxOUWdOdGdiTWtibDVFRzVJSDE0YkxCZG14RVVIZmphNnRUNzMzcHdpdkRUa2k2MVpKOVRIMmNrMURMc0hRTGxMLVFld3RoU3U5dHpHUWtITW1mOHFhSENNVkNpa2U3Ty1oRVd3eU9PNjVFaU1kZTl2MG9KNFBQYTgwMUU1UF92cDA?oc=5) · businessalabama.com
- 2023-01-27 [Bolton to speak to UWA students about community banking - University of West Alabama](https://news.google.com/rss/articles/CBMiiAFBVV95cUxObDBTT2FlNHBlNlpCUzBfNE5ZRG1jMUdranBrLWx0dFE0dUN4Z29fZzdtUEM3N3ZtX1VXQUZrNHo4WEZEZE8zX2dERWRSdHdzOG45QU1qcGpTN1NGRS1ZZ0ZTdmx4LTdka2M5Tk5nQlJQVUdySVQ1c2llNHA0NFFmUkh3VE1QTlN4?oc=5) · University of West Alabama
- 2023-07-04 [As offices sit empty, some banks are more cautious about commercial real estate loans - marketplace.org](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNckVSbzQ2ZDA0VnRVdzZTVVBEd3I4dk8zWFJBZHp3UFVBMlhiYl9qdUhqTXVCZzJxOGh0c2tIZ2RVbDI0SzUwTVpSU3Z4RncxMmRGbnZLaDdHZkdEVGVTNk1BdjAyeWVwd1pBLU1SWGxJNHBsampaOFkwTFhiZ0lZc2lkRTVQdDl2U29laGF5amstSWNhYUtWdUtHNHRhS3JnLUZQcWxtaG13a0dEeXdCUEk4X0x2RzVPYjItMVptaVJiZU5nZjFKMA?oc=5) · marketplace.org
- 2022-09-30 [John Ramage re-elected to the ICBA Federal Delegate Board - The Troy Messenger](https://news.google.com/rss/articles/CBMioAFBVV95cUxOS0ZDSUFYdmdFUWRtOHdzNHpZbnZ1Nkg4aGoxdnFmZDR3bklDeXo4cmloVUtBZlJnN2ZSM2ZXeml1ZERndkdGVTdtV2RRN1ZpX1RYeExqR1FvbXVpTlpMSmhBalBXVE05THZsS2llM0w1REhGVUhkYXM4TGE5NEFOUWlSM2VvR2xKbGpNMmN4c1RwRU5CdE04RU84ejFEckEw?oc=5) · The Troy Messenger
- 2025-02-04 [Lenders see brisk demand for business loans - marketplace.org](https://news.google.com/rss/articles/CBMikgFBVV95cUxOLUhiVDJZNmxtQlpxQXd6blZ2cnE1S2pRUkdheDh1Z09zeE9OREpER2dPZ2lEQjEyUkpFME9YT3Y0SjRwQTBsWDBac3UzRGh5aUFaMDRMWUozS01YMzhfWUhPaEJ4NnNVOThWWkhQS1hzYldjRXhqWXlKOGJTa3NyS2R3XzhYVzhDYW16bDMtYVNhUQ?oc=5) · marketplace.org
- 2022-03-30 [Guest column: Credit unions good for the customer, community and economy - businessalabama.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOXzFKUjdqbWZJR0ZCWV9BbDdYV0sxRkZkZGtiRE1uVUY4VGdaenA4OWU2Sm82d2ZyaG94T2cwZWcxODItb01KYTNaSldNbHQxU052ZEI0Vjg5WEhJeWs1WHA2S1RMUlRXN25OYkJEbFZabWFHczNFcmdKY3luRURsQkUzTU9XYkIxQ0RmT051aw?oc=5) · businessalabama.com
- 2018-05-08 [Bobby Canup Obituary (1942 - 2018) - Tremont, MS - The Daily Journal - Legacy obituary](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOM2E5UGl3cUlHVjBQSjJMbExucDl1ZVpqRHFOVEx2VjI4NUxpZ29QOUF4ZDd0WDdLOEpLZW9fdndOWS1aWFBoOENpSkJibXJrdDRCc2JnNE1iTDBLWWc3bjJoY0dZS1NXNFBuNFpOT1huRU41WXYtTXJlVkd5Rm9RRE1qWUcxQVZXY09N?oc=5) · Legacy obituary
- 2026-07-24 [Rates on business loans have held steady, but they might climb soon - marketplace.org](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPS0F1Zjl1bEFuZlhoZi1wQTJzbWVwaXk1Q1lIeU5xYWw2cUx3dHpfR3drZWVsUW9vaEdiOGs5dXh3dHpXNURrRkozSVlUVUJoOThKbVZaUTFSTVM1UnVCUmlnYm5fdWlDZFNlYmdrVTVicUw1V0RISzRZZGtmMEc0aDg1V3RvY1pfem95S2JhV1VOSkp5VDVTczV4YU9RNGp5bFo4eDkyYi1sLVk?oc=5) · marketplace.org

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=50 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/50.json (key "50", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide