BlastPoint's Banking Scorecard
Community Spirit Bank
Red Bay, AL
6 branches across AL · MS
Community Spirit Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 14.0% in tier
- + Net Interest Margin 0.80% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.7% in tier
- - Margin Compression: Bottom 12.5% in tier
- - Credit Risk Growth: Bottom 29.3% in tier
- - Capital Thin: Bottom 43.2% in tier
- - Cost Spiral: Bottom 73.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$225.1M
+6.2% YoY
+2.2% QoQ
|
-$161.0M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
32% |
| Total Loans ? |
$147.0M
+8.4% YoY
+1.8% QoQ
|
-$108.7M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
35% |
| Total Deposits ? |
$202.9M
+4.8% YoY
+2.4% QoQ
|
-$125.1M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
35% |
| Return on Assets ? |
1.28%
-44.2% YoY
-23.1% QoQ
|
+0.01% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
54% |
| Net Interest Margin ? |
4.73%
+6.2% YoY
-0.2% QoQ
|
+0.80% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
Top 12.5% in tier |
| Efficiency Ratio ? |
67.27%
+14.0% YoY
+0.8% QoQ
|
+1.99% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
39% |
| Delinquency Rate ? |
0.04%
+8.5% YoY
+37.1% QoQ
|
-0.85% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
72.47%
+3.4% YoY
-0.6% QoQ
|
-4.17% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
25.50%
-1.3% YoY
+4.0% QoQ
|
+3.48% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.03%
+10.8% YoY
+36.5% QoQ
|
-0.61% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
82% |
| Tier 1 Capital Ratio ? |
9.85%
+3.0% YoY
+0.9% QoQ
|
-5.98% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 8.0% in tier |
| Non-Interest Income / Assets ? |
0.18%
-62.3% YoY
-83.5% QoQ
|
-0.10% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
82% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (5)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.