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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Mobile, AL · FDIC certificate #22229
COMMONWEALTH NATIONAL BANK is an FDIC-insured institution based in Mobile, AL (FDIC certificate #22229). In its Q3 2026 Call Report it reported total assets of $81M, total deposits of $72M and net loans of $35M. Its primary federal regulator is OCC.
Plain-language readout
COMMONWEALTH NATIONAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $81M in Q3 2026 and were lowest at $73M in Q1 2026.
Total deposits were highest at $72M in Q3 2026 and lowest at $64M in Q1 2026.
Over the whole period total assets rose 10.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $81M | $72M | $35M | -0.24% | -2.07% | 3.86% |
| Q2 2026 | $79M | $69M | $31M | -0.30% | -2.45% | 3.73% |
| Q1 2026 | $73M | $64M | $26M | -0.76% | -5.83% | 3.68% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $16.0M | $16.1M | -$160K | -1.0% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $29.4M | $28.1M | +$1.2M | +4.4% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $30.7M | $26.1M | +$4.6M | +17.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.5M | $1.5M | -$18K | -1.2% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $969K | $763K | +$206K | +27.0% |
| Total assets | $78.5M | $72.7M | +$5.9M | +8.1% |
| Liabilities | ||||
| Total deposits | $69.5M | $63.6M | +$5.9M | +9.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $276K | $188K | +$88K | +46.8% |
| Total liabilities | $69.7M | $63.8M | +$5.9M | +9.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.1M | $1.1M | $0K | 0.0% |
| Surplus | $7.8M | $7.8M | $0K | 0.0% |
| Retained earnings | $1.6M | $1.5M | +$22K | +1.4% |
| Accumulated other comprehensive income | -$1.7M | -$1.5M | -$112K | -7.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $8.8M | $8.9M | -$90K | -1.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.3M | $1.3M | +$13K | +1.0% |
| Adjusted nonperforming assets | $1.3M | $1.3M | +$13K | +1.0% |
| Tangible equity plus allowance | $9.3M | $9.4M | -$103K | -1.1% |
| Texas ratio (gross) | 14.42% | 14.13% | +0.30 pts | See points |
| Texas ratio (adjusted) | 14.42% | 14.13% | +0.30 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 14.42% | 14.13% | +0.30 pts | See points |
| Tier 1 capital to risk-weighted assets | 28.27% | 32.57% | -4.30 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 28.27% | 32.57% | -4.30 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 29.52% | 33.82% | -4.30 pts | See points |
| Tier 1 leverage (approximate) | 13.73% | 14.84% | -1.11 pts | See points |
| Construction and land loans to total capital | 4.28% | 6.07% | -1.79 pts | See points |
| Commercial real estate to total capital | 18.01% | 17.13% | +0.88 pts | See points |
| Dividend payout, year to date | Not reported | Not reported | Not reported | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -15.86% | -14.82% | -1.04 pts | See points |
| Liquidity | ||||
| Core deposits | $52.5M | $48.6M | +$3.9M | +8.0% |
| Non-core funding | $16.9M | $15.0M | +$2.0M | +13.1% |
| Loans to core deposits | 59.50% | 54.83% | +4.67 pts | See points |
| Loans to deposits | 45.00% | 41.94% | +3.06 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 78.32% | 62.60% | +15.72 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $16.9M | $15.0M | +$2.0M | +13.1% |
| Earnings | ||||
| Earnings before provision, year to date | -$107K | -$130K | +$23K | +17.7% |
| Earnings before provision, single quarter | $23K | -$130K | +$153K | +117.7% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.80% | 6.48% | +0.33 pts | See points |
| Yield on interest-bearing balances due from banks | 3.39% | 3.11% | +0.28 pts | See points |
| Total interest income to average assets | 4.26% | 4.06% | +0.20 pts | See points |
| Cost of interest-bearing transaction accounts | 0.08% | 0.17% | -0.09 pts | See points |
| Cost of savings and money market deposits | 0.58% | 0.51% | +0.08 pts | See points |
| Cost of time deposits | 2.38% | 2.57% | -0.19 pts | See points |
| Total interest expense to average assets | 0.83% | 0.75% | +0.08 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $81M | $72M | $35M | -0.24% | -2.07% | 3.86% |
| 2026-06-30 | $79M | $69M | $31M | -0.30% | -2.45% | 3.73% |
| 2026-03-31 | $73M | $64M | $26M | -0.76% | -5.83% | 3.68% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $56.8M | 0.04% | 123 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.