COMMONWEALTH NATIONAL BANK

MOBILE, AL | Micro | Est. Feb. 19, 1976, midnight | FDIC #22229 | RSSD #578237 | OCC
Latest Report: 2025-12-31

COMMONWEALTH NATIONAL BANK is amn micro FDIC-insured commercial bank headquartered in MOBILE, AL, established in Feb. 19, 1976, midnight. As of 2025-12-31, the bank reported total assets of $66M and total deposits of $57M. Profitability stands at 1.11% ROA and 8.08% ROE, with a net interest margin of 4.37%. The bank's CET1 capital ratio is 33.58%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.82% and a Texas Ratio of 4.92%. FDIC Certificate #22229.

Assets

$66M

Deposits

$57M

Loans

$26M

Equity

$9M

Profitability

Return on Assets (ROA) 1.11%
Return on Equity (ROE) 8.08%
Net Interest Margin (NIM) 4.37%
Yield on Assets 5.07%
Cost of Funds 1.18%

Asset Quality

NPL Ratio 1.82%
Net Charge-Off Ratio 0.00%
Texas Ratio 4.92%
NPA Ratio 0.73%
ACL / Loans 2.10%

Capital & Liquidity

CET1 Ratio 33.58%
Tier 1 Capital 33.58%
Total Capital Ratio 34.84%
Leverage Ratio 15.59%
Loan-to-Deposit 46.48%

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