BlastPoint's Banking Scorecard
Commonwealth National Bank
Micro
Specialty: Commercial
AL
FDIC cert 22229
Designations: ✓ Community bank
Mobile, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
Commonwealth National Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 29.03% below tier
- + Tier 1 Capital Ratio 24.73% above tier
- + Non-Interest Income / Assets 0.46% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.95% below tier
- - Efficiency Ratio 34.01% above tier
- - Delinquency Rate 3.04% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$66.2M
-0.3% YoY
-0.6% QoQ
|
-$151.3M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$25.8M
+7.1% YoY
+3.4% QoQ
|
-$113.3M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$56.8M
-2.3% YoY
-1.0% QoQ
|
-$126.9M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
0.13%
+159.1% YoY
+166.6% QoQ
|
-0.95% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
4.00%
+1.9% YoY
+3.7% QoQ
|
+0.15% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
101.74%
+0.0% YoY
-4.9% QoQ
|
+34.01% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
3.68%
+154.4% YoY
+50.8% QoQ
|
+3.04% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
45.50%
+9.6% YoY
+4.4% QoQ
|
-29.03% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.26%
+6.8% YoY
+2.8% QoQ
|
+13.86% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
1.44%
+173.3% YoY
+56.9% QoQ
|
+0.98% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? |
33.58%
-4.0% YoY
-1.7% QoQ
|
+24.73% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
1.02%
-12.1% YoY
+101.6% QoQ
|
+0.46% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (3)
Loan-to-Deposit Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
45.50%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
33.58%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 8%
in Micro
Why this stands out
Current:
1.02%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (3)
Return on Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.13%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
101.74%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.68%
(Tier avg: 0.64%, National avg: 0.66%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Tier 1 Capital Ratio
Current: 33.58% · Tier avg: 8.85%
92
92th pctile
Non-Interest Income / Assets
Current: 1.02% · Tier avg: 0.56%
90
90th pctile
Loan-to-Deposit Ratio
Current: 45.50% · Tier avg: 74.53%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.26% · Tier avg: 22.39%
58
58th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.85%
13
13th pctile
Total Deposits
Current: $56.8M · Tier avg: $183.7M
12
12th pctile
Nonperforming Asset Ratio
Current: 1.44% · Tier avg: 0.45%
12
12th pctile
Total Assets
Current: $66.2M · Tier avg: $217.5M
9
9th pctile
Total Loans
Current: $25.8M · Tier avg: $139.2M
8
8th pctile
Return on Assets
Current: 0.13% · Tier avg: 1.08%
5
5th pctile
Efficiency Ratio
Current: 101.74% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 3.68% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.68% · Tier avg: 0.64%
5
5th pctile
Efficiency Ratio
Current: 101.74% · Tier avg: 67.73%
8
8th pctile
Return on Assets
Current: 0.13% · Tier avg: 1.08%
9
9th pctile
Total Loans
Current: $25.8M · Tier avg: $139.2M
12
12th pctile
Total Assets
Current: $66.2M · Tier avg: $217.5M
12
12th pctile
Nonperforming Asset Ratio
Current: 1.44% · Tier avg: 0.45%
13
13th pctile
Total Deposits
Current: $56.8M · Tier avg: $183.7M
58
58th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.85%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.26% · Tier avg: 22.39%
90
90th pctile
Loan-to-Deposit Ratio
Current: 45.50% · Tier avg: 74.53%
92
92th pctile
Non-Interest Income / Assets
Current: 1.02% · Tier avg: 0.56%
97
97th pctile
Tier 1 Capital Ratio
Current: 33.58% · Tier avg: 8.85%