Community Spirit Bank (FDIC #50): Bank Stress & Real-Estate Credit Exposure
Community Spirit Bank (FDIC Cert #50): bank stress 70/100, elevated, STABLE over 7 days; parent INDEPENDENT BANCSHARES EMPLOYEE STK OWNERSHIP PLAN.
Community Spirit Bank (#50) lends in 3 counties across 2 states; Community Spirit Bank (#50) reaches 28 ZIP codes: Mississippi 2 counties, 18 ZIPs; Alabama 1 county, 10 ZIPs.
Community Spirit Bank (#50) largest markets: Franklin County, AL (30 branches, 10 ZIPs) (#50), Itawamba County, MS (10 branches, 10 ZIPs) (#50), Tishomingo County, MS (9 branches, 9 ZIPs) (#50).
Community Spirit Bank (#50) reports $228.8 million in total assets; Community Spirit Bank (#50) equity $18.5 million (8.1% of Community Spirit Bank (#50) assets); Community Spirit Bank (#50) domestic deposits $205.7 million; Community Spirit Bank (#50) net income $1.6 million; Community Spirit Bank (#50) return on assets 1.39%; Community Spirit Bank (#50) return on equity 17.21%; Community Spirit Bank (#50) net interest income $5.0 million; Community Spirit Bank (#50) call report June 30, 2026.
Community Spirit Bank (#50) noncurrent real-estate loans: none reported; Community Spirit Bank (#50) net charge-offs on real estate 0.00%.
Community Spirit Bank (#50) net interest margin 4.75% against an eight-quarter Community Spirit Bank (#50) average of 4.54% (Community Spirit Bank (#50) compression -0.22 points); Community Spirit Bank (#50) rate-exposure score 40/100, Community Spirit Bank (#50) fixed-rate trap 40/100; Community Spirit Bank (#50) risk type credit driven; Community Spirit Bank (#50) rate regime rates elevated, Community Spirit Bank (#50) snapshot October 20, 2026.
Community Spirit Bank (#50) stress score moved from 70.6 on June 22, 2026 to 69.5 on October 20, 2026; Community Spirit Bank (#50) ranged 69.5 to 70.6 over 117 snapshots.
Community Spirit Bank (#50) alerts: 3 counties; top Community Spirit Bank (#50) alert scores: Belmont County, AL 24 (low); Fulton County, AL 24 (low); Russellville County, AL 24 (low).