COMMUNITY SPIRIT BANK
RED BAY, ALABAMA · FDIC Cert #50
Capital & Safety Analysis
According to FDIC financial data, COMMUNITY SPIRIT BANK holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject COMMUNITY SPIRIT BANK to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
COMMUNITY SPIRIT BANK shows average financial health. While not alarming, its Health Score of 62/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
COMMUNITY SPIRIT BANK has a Bank Health Score of C (62/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
COMMUNITY SPIRIT BANK holds $205M in total assets and $188M in total deposits. It is located in RED BAY, ALABAMA (FDIC Certificate #50).
COMMUNITY SPIRIT BANK has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.01%, and the return on assets is 1.17%.
Yes. COMMUNITY SPIRIT BANK is FDIC-insured (Certificate #50). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.