| Metric | Community Spirit Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +4.4% | +3.3 pts |
| Deposit growth (YoY) | +6.3% | +4.0% | +2.3 pts |
| Loan growth (YoY) | +7.2% | +5.6% | +1.6 pts |
| ROA | 1.39% | 1.24% | +0.1 pts |
| ROE | 17.2% | 11.9% | +5.3 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $228.8M | $205.7M | $149.1M | $18.5M | $1.6M | 1.39% | 4.75% | 0.03% |
| Q1 2026 | $225.1M | $202.9M | $147.0M | $18.0M | $713K | 1.28% | 4.73% | 0.03% |
| Q4 2025 | $220.3M | $198.2M | $144.5M | $17.9M | $3.6M | 1.67% | 4.74% | 0.02% |
| Q3 2025 | $215.3M | $194.8M | $141.1M | $17.0M | $2.7M | 1.72% | 4.68% | 0.00% |
| Q2 2025 | $212.6M | $193.6M | $139.1M | $15.6M | $1.9M | 1.84% | 4.59% | 0.01% |
| Q1 2025 | $211.9M | $193.6M | $135.6M | $15.2M | $1.2M | 2.29% | 4.45% | 0.02% |
| Q4 2024 | $209.5M | $192.2M | $131.3M | $14.5M | $2.8M | 1.39% | 4.22% | 0.18% |
| Q3 2024 | $207.8M | $188.9M | $130.2M | $15.8M | $2.1M | 1.36% | 4.17% | 0.18% |
Loan mix (Q2 2026): real estate $105.2M · commercial $25.1M · consumer $12.2M · securities $45.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Community Spirit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 1.24% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 17.2% | 11.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.75% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.7% | 62.9% | 61st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Community Spirit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Community Spirit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Community Spirit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Community Spirit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Community Spirit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
5 branches in 3 counties across 2 states (+0 vs 2025) · $205.7M branch deposits. Biggest market: Franklin, AL, ranked 2nd with 14.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Franklin, AL | 3 | $140.9M | 14.08% | 2nd |
| Tishomingo, MS | 1 | $50.1M | 11.46% | 3rd |
| Itawamba, MS | 1 | $14.7M | 3.34% | 5th |
Alabama: 130th with 0.08% · Mississippi: 94th with 0.07% ·
Branch count: 2022 5 · 2023 6 · 2024 6 · 2025 5 · 2026 5
Technology spend in line with peers (17 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).