BlastPoint's Banking Scorecard
Community Spirit Bank
Micro
Specialty: Commercial
AL
FDIC cert 50
Designations: ✓ Community bank
Red Bay, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
Community Spirit Bank shows strong momentum with 1 strength and 5.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.55% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$220.3M
+5.2% YoY
+2.3% QoQ
|
+$2.8M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$144.5M
+10.1% YoY
+2.4% QoQ
|
+$5.3M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$198.2M
+3.1% YoY
+1.7% QoQ
|
+$14.5M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
1.67%
+19.8% YoY
-3.4% QoQ
|
+0.58% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
4.74%
+12.2% YoY
+1.3% QoQ
|
+0.88% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
66.75%
-1.9% YoY
+1.4% QoQ
|
-0.98% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
0.03%
-42.6% YoY
+499.8% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
72.93%
+6.8% YoY
+0.7% QoQ
|
-1.60% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
24.52%
+4.1% YoY
-4.7% QoQ
|
+2.13% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.02%
-88.9% YoY
+500.3% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.11%
+12.2% YoY
+20.6% QoQ
|
+0.55% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Why this stands out
Current:
1.11%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Non-Interest Income / Assets
Current: 1.11% · Tier avg: 0.56%
86
86th pctile
Net Interest Margin
Current: 4.74% · Tier avg: 3.85%
82
82th pctile
Return on Assets
Current: 1.67% · Tier avg: 1.08%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.52% · Tier avg: 22.39%
59
59th pctile
Total Deposits
Current: $198.2M · Tier avg: $183.7M
58
58th pctile
Total Loans
Current: $144.5M · Tier avg: $139.2M
57
57th pctile
Loan-to-Deposit Ratio
Current: 72.93% · Tier avg: 74.53%
56
56th pctile
Total Assets
Current: $220.3M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Efficiency Ratio
Current: 66.75% · Tier avg: 67.73%
Top Weaknesses
49
49th pctile
Efficiency Ratio
Current: 66.75% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Total Assets
Current: $220.3M · Tier avg: $217.5M
57
57th pctile
Loan-to-Deposit Ratio
Current: 72.93% · Tier avg: 74.53%
58
58th pctile
Total Loans
Current: $144.5M · Tier avg: $139.2M
59
59th pctile
Total Deposits
Current: $198.2M · Tier avg: $183.7M
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.52% · Tier avg: 22.39%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
82
82th pctile
Return on Assets
Current: 1.67% · Tier avg: 1.08%
86
86th pctile
Net Interest Margin
Current: 4.74% · Tier avg: 3.85%
93
93th pctile
Non-Interest Income / Assets
Current: 1.11% · Tier avg: 0.56%