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Commonwealth National Bank
Mobile, AL · FDIC Certificate #22229 · Chartered 02/1
Total assets
$78.54M
Total deposits
$69.46M
Total equity
$8.80M
Net loans
$30.73M
Branches (offices)
2
Net income (YTD)
-$110.00K
Rank: #3,845 of 4,213 U.S. banks by assets · #87 of 93 in Alabama. Assets changed 19.7% and deposits 22.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.30% |
| Return on equity | -2.45% |
| Net interest margin (YTD) | 3.73% |
| Equity to assets | 11.20% |
| Tier 1 leverage ratio | 13.73% |
| Uninsured deposits (share of deposits) | 42.2% |
| Noncurrent loans (share of loans) | 4.31% |
| Net charge-offs (share of loans) | 0.16% |
| Loans to deposits | 44.2% |
| Real estate loans (share of loans) | 61.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $18.85M | 61.3% | |
| Commercial & industrial | $11.25M | 36.6% | |
| Consumer / individual | $1.16M | 3.8% | |
| Construction & development | $468.00K | 1.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $59.14M | $54.94M | -$130.00K | $4.01M |
| Jun 2023 | $68.03M | $62.86M | $586.00K | $5.01M |
| Jun 2024 | $67.89M | $59.91M | -$95.00K | $7.84M |
| Jun 2025 | $65.62M | $56.79M | -$62.00K | $8.67M |
| Jun 2026 | $78.54M | $69.46M | -$110.00K | $8.80M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $69.46M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $69.46M.
Similar-sized banks
Amory First Savings And Loan Bank, SSB ($78.73M) · Galion Building And Loan Bank ($78.52M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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