BanksCOMMONWEALTH NATIONAL BANK

COMMONWEALTH NATIONAL BANK

MOBILE, ALMicroEst. Feb. 19, 1976, midnightFDIC #22229RSSD #578237OCC
Latest · 2025-12-31

COMMONWEALTH NATIONAL BANK is an 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%. CET1 capital ratio: 33.58%, well above regulatory minimums. NPL ratio: 1.82% · Texas Ratio: 4.92%. Operates 2 domestic branches.

Assets
$66M
Deposits
$57M
Loans
$26M
Equity
$9M

Profitability

Return on Assets (ROA)1.11%
Return on Equity (ROE)8.08%
Net Interest Margin4.37%
Yield on Assets5.07%
Cost of Funds0.75%

Asset Quality

NPL Ratio1.82%
Net Charge-Off Ratio0.00%
Texas Ratio4.92%
NPA Ratio0.73%
ACL / Loans2.10%

Capital & Liquidity

CET1 Ratio33.58%
Tier 1 Capital33.58%
Total Capital Ratio34.84%
Leverage Ratio15.59%
Loan-to-Deposit46.48%

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