BlastPoint's Banking Scorecard
Community Spirit Bank
Red Bay, AL
6 branches across AL · MS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
- Deposits +6.3% year over year ($205.7M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.39%.
- Efficiency ratio 66.72% vs a 64.48% peer average.
- Loan-to-deposit ratio 72.48% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community Spirit Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + ROA 0.06% above tier average
- + Net Interest Margin 0.77% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 30.9% in tier
- - Efficiency Ratio 2.25% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$228.8M
+7.6% YoY
+1.6% QoQ
|
-$157.7M |
$386.6M
+1.2% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
33% |
| Total Loans ? |
$149.1M
+7.2% YoY
+1.4% QoQ
|
-$109.2M |
$258.3M
+1.7% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$205.7M
+6.3% YoY
+1.4% QoQ
|
-$121.0M |
$326.7M
+0.7% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
35% |
| Return on Assets ? |
1.39%
-24.6% YoY
+8.3% QoQ
|
+0.06% |
1.32%
+10.8% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
58% |
| Net Interest Margin ? |
4.75%
+3.7% YoY
+0.6% QoQ
|
+0.77% |
3.99%
+5.0% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
Top 12.7% in tier |
| Efficiency Ratio ? |
66.72%
+3.7% YoY
-0.8% QoQ
|
+2.25% |
64.48%
-3.2% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
37% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
72.48%
+0.9% YoY
+0.0% QoQ
|
-5.47% |
77.95%
+1.0% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
23.98%
-5.4% YoY
-5.9% QoQ
|
+1.95% |
22.03%
-0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.03%
+106.8% YoY
+13.1% QoQ
|
-0.64% |
0.67%
+16.4% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
9.73%
+1.7% YoY
-1.2% QoQ
|
-6.18% |
15.91%
+1.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Bottom 7.4% in tier |
| Non-Interest Income / Assets ? |
0.36%
-48.9% YoY
+98.9% QoQ
|
-0.20% |
0.57%
+7.6% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
81% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.0%
-1.4pp YoY -1.5pp QoQ |
+1.8pp | 22.1% | 24.0% | 22.2% | 62% |
| Brokered Deposits |
1.7%
+0.7pp YoY +0.6pp QoQ |
-6.2pp | 7.9% | 5.5% | 8.5% | 26% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.8%
-0.9pp YoY -1.0pp QoQ |
+5.3pp | 11.6% | 16.9% | 12.5% | 82% |
| CRE |
27.9%
-0.7pp YoY -0.1pp QoQ |
-11.7pp | 39.5% | 43.5% | 41.4% | 31% |
| 1-4 Family |
33.8%
+2.8pp YoY +1.2pp QoQ |
+1.1pp | 32.6% | 30.6% | 31.3% | 59% |
| Consumer |
8.2%
-0.1pp YoY 0.0pp QoQ |
+4.1pp | 4.1% | 5.7% | 5.0% | 89% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
9.7%
+0.2pp YoY -0.1pp QoQ |
-2.4pp | 12.2% | 13.2% | 12.6% | 26% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
43
-3 (-6.5%) YoY -2 (-4.4%) QoQ |
-16 | 58 | 304 | 482 | 45% |
| Assets per Employee ($) |
$5.3M
+15.2% YoY +6.4% QoQ |
-$2.2M | $7.5M | $6.9M | $8.8M | 20% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 20 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.2% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 7.50x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.3%
+0.3pp YoY -0.2pp QoQ |
+0.2pp | 0.1% | 0.3% | 0.2% | 91% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.2%
-8.5pp YoY +1.3pp QoQ |
+5.0pp | 12.2% | 10.0% | 11.6% | 78% |
| Cost of Funds (YTD) |
1.7%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.7% | 1.7% | 48% |
| Net Income ($, YTD) |
$1.6M
-19.8% YoY — QoQ |
-$996K | $2.6M | $17.2M | $40.4M | 43% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.