Bank Comparison
First Tri-County Bank vs Commonwealth National Bank
BankRegReports is independent of First Tri-County Bank and Commonwealth National Bank and never asks for online banking logins or passwords.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 5
winning metrics across 13 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | First Tri-County Bank | Commonwealth National Bank |
|---|---|---|
| CET1 Ratio | — | 28.27% |
| Tier 1 Capital Ratio | — | 28.27% |
| Total Capital Ratio | — | 29.52% |
| Tier 1 Leverage Ratio | 9.07% | 13.73% |
| Equity / Assets | 9.51% | 11.20% |
Profitability
| Metric | First Tri-County Bank | Commonwealth National Bank |
|---|---|---|
| Return on Assets (ROA) | 0.89% | 0.12% |
| Return on Equity (ROE) | 9.33% | 0.99% |
| Net Interest Margin (NIM) | 3.55% | 3.69% |
| Yield on Earning Assets | 4.80% | 4.58% |
| Cost of Funds | 1.33% | 0.94% |
Asset quality
| Metric | First Tri-County Bank | Commonwealth National Bank |
|---|---|---|
| Texas Ratio | 0.23% | 14.42% |
| Non-Performing Loan Ratio | 0.04% | 4.31% |
| Non-Performing Asset Ratio | 0.02% | 1.71% |
| Net Charge-Off Ratio | -0.05% | 0.19% |
| ACL / Loans | 1.13% | 1.71% |
Balance sheet
| Metric | First Tri-County Bank | Commonwealth National Bank |
|---|---|---|
| Total Assets | $78.5M | $78.5M |
| Total Deposits | $70.7M | $69.5M |
| Total Loans | $46.5M | $31.3M |
| Total Equity | $7.5M | $8.8M |
| Net Income (quarter) | $172K | $22K |
Liquidity & funding
| Metric | First Tri-County Bank | Commonwealth National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 65.81% | 45.00% |
| Core Deposit Ratio | 90.51% | 75.63% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Tri-County Bank | Commonwealth National Bank |
|---|---|---|
| Headquarters City | Swanton | Mobile |
| Headquarters State | NE | AL |
| Asset Tier | under $100M in assets | under $100M in assets |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 8 | 19 |
| Established | April 1, 1894 | February 19, 1976 |
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full First Tri-County Bank profile | View full Commonwealth National Bank profile | Browse all bank comparisons