Community Spirit Bank

Red Bay, AlabamaFDIC Cert #50

STATEEstablished 19086 branches

Holding company: INDEPENDENT BANCSHARES EMPLOYEE STK OWNERSHIP PLANRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$12.4M
Investor CRE	$13.8M
Multifamily	$2.27M
Construction	$12.6M
1–4 family	$47.9M
C&I	$26.2M
Agriculture	$16.2M
Other	$17.5M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$149M

+8.4%y/y

Percentile by value72nd percentileby value

FDICLNLSGR

Net loans

$147M

+8.4%y/y

Percentile by value72nd percentileby value

FDICLNLSNET

Loans YoY

+8.43%

−24.7%y/y

Percentile by value67th percentileby value

FDICLNLSNET

L/D

72.5%

+3.4%y/y

Percentile by value44th percentileby value

FDICLNLSNET + DEP

Loans/assets

65.3%

+2.1%y/y

Percentile by value53rd percentileby value

FDICLNLSNET + ASSET

RE loans %

69.01%

−0.6%y/y

Percentile by value29th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,653points

+5.5%y/y

Peer standing90th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

8.36%

−16.4%y/y

Percentile by value48th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

9.26%

−13.8%y/y

Percentile by value57th percentileby value

FDICLNRENROT + LNLSGR

C&I %

17.62%

−2.7%y/y

Percentile by value83rd percentileby value

FDICLNCI + LNLSGR