Commonwealth National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Commercial and industrial climbed 8.86 percentage points in Q2 2026, from 27.14% to 36.00%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Commonwealth National Bank is 10th from the bottom among 93 Alabama banks, 45.00% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Commonwealth National Bank sits 22.62 points lower, at 45.00% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $31.3M |
| Net loans and leases | $30.7M |
| Loans held for sale | $0 |
| Loans to total assets | 39.80% |
| Loan-to-deposit ratio | 45.00% |
| Net loans to equity capital | 3.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.60% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 36.00% |
| Consumer | 3.70% |
| Credit cards | 0.00% |
| Farm | 5.54% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 17.89% |
| Construction concentration (Tier 1 capital + allowance) | 4.26% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.80% |
| Interest income on loans | $474K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $23.7M | $60.7M | 40.65% | 22.62% | 1.94% |
| Q4 2023 | $23.9M | $58.9M | 41.87% | 22.14% | 1.82% |
| Q1 2024 | $24.1M | $58.7M | 41.68% | 23.16% | 1.65% |
| Q2 2024 | $23.6M | $59.9M | 38.97% | 27.54% | 1.87% |
| Q3 2024 | $24.3M | $59.3M | 38.64% | 27.60% | 2.22% |
| Q4 2024 | $24.7M | $58.1M | 37.73% | 27.72% | 2.49% |
| Q1 2025 | $25.3M | $58.5M | 37.68% | 28.14% | 2.35% |
| Q2 2025 | $25.9M | $56.8M | 37.42% | 30.10% | 4.07% |
| Q3 2025 | $25.6M | $57.3M | 39.07% | 26.75% | 4.31% |
| Q4 2025 | $26.4M | $56.8M | 38.02% | 28.12% | 4.92% |
| Q1 2026 | $26.7M | $63.6M | 41.46% | 27.14% | 4.43% |
| Q2 2026 | $31.3M | $69.5M | 38.60% | 36.00% | 3.70% |
Commonwealth National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commonwealth National Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Commonwealth National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22229) · FFIEC NIC profile (RSSD 578237)