Bank Comparison
Bank of Evergreen vs Commonwealth National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bank of Evergreen | Commonwealth National Bank |
|---|---|---|
| CET1 Ratio | — | 32.57% |
| Tier 1 Capital Ratio | — | 32.57% |
| Total Capital Ratio | — | 33.82% |
| Tier 1 Leverage Ratio | 14.12% | 14.84% |
| Equity / Assets | 11.71% | 12.23% |
Profitability
| Metric | Bank of Evergreen | Commonwealth National Bank |
|---|---|---|
| Return on Assets (ROA) | 0.53% | -0.75% |
| Return on Equity (ROE) | 4.52% | -5.83% |
| Net Interest Margin (NIM) | 3.51% | 3.53% |
| Yield on Earning Assets | 4.72% | 4.33% |
| Cost of Funds | 1.30% | 0.88% |
Asset quality
| Metric | Bank of Evergreen | Commonwealth National Bank |
|---|---|---|
| Texas Ratio | 3.47% | 14.13% |
| Non-Performing Loan Ratio | 1.06% | 4.83% |
| Non-Performing Asset Ratio | 0.43% | 1.77% |
| Net Charge-Off Ratio | 0.12% | 0.14% |
| ACL / Loans | 1.64% | 2.05% |
Balance sheet
| Metric | Bank of Evergreen | Commonwealth National Bank |
|---|---|---|
| Total Assets | $76,245K | $72,687K |
| Total Deposits | $67,039K | $63,609K |
| Total Loans | $30,932K | $26,676K |
| Total Equity | $8,928K | $8,890K |
| Net Income (quarter) | $101 | $-132 |
Liquidity & funding
| Metric | Bank of Evergreen | Commonwealth National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 46.14% | 41.94% |
| Core Deposit Ratio | 90.39% | 76.48% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Evergreen | Commonwealth National Bank |
|---|---|---|
| Headquarters City | EVERGREEN | MOBILE |
| Headquarters State | AL | AL |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 16553 |
| Regulator | FDIC | OCC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 12 | 18 |
| Established | Sept. 1, 1932, midnight | Feb. 19, 1976, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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