BlastPoint's Banking Scorecard

Commonwealth National Bank

under $100M Specialty: Commercial AL FDIC cert 22229

Designations: ✓ Community bank ✓ CDFI-certified ✓ Minority Depository Institution

Mobile, AL

2 branches across AL

537 banks in the under $100M peer group nationally 12 in AL

Commonwealth National Bank faces 4 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Return on Assets 1.62% below tier average
- Efficiency Ratio 31.55% above tier average
- Delinquency Rate 3.74% above tier average
- Net Interest Margin 0.19% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$72.7M +8.1% YoY +9.9% QoQ	+$10.4M	$62.3M -0.5% YoY	$2.5B +0.2% YoY	$6.2B +9.0% YoY	61%
Total Loans ?	$26.1M +5.5% YoY +1.2% QoQ	-$8.2M	$34.3M -1.5% YoY	$1.5B +2.4% YoY	$3.2B +10.7% YoY	38%
Total Deposits ?	$63.6M +8.7% YoY +12.0% QoQ	+$11.8M	$51.8M -0.6% YoY	$2.1B -0.2% YoY	$4.8B +8.0% YoY	64%
Return on Assets ?	-0.76% -225.7% YoY -680.4% QoQ	-1.62%	0.86% -3.6% YoY	0.78% -19.5% YoY	1.24% +13.1% YoY	Bottom 8.6% in tier
Net Interest Margin ?	3.68% -0.0% YoY -8.1% QoQ	-0.19%	3.87% +2.7% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	42%
Efficiency Ratio ?	119.17% +4.6% YoY +17.1% QoQ	+31.55%	87.63% +2.3% YoY	72.13% +5.1% YoY	66.84% -3.8% YoY	Bottom 7.8% in tier
Delinquency Rate ?	5.10% +164.8% YoY +38.6% QoQ	+3.74%	1.36% +33.7% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	Bottom 5.6% in tier
Loan-to-Deposit Ratio ?	41.08% -2.9% YoY -9.7% QoQ	-23.03%	64.11% -0.9% YoY	67.08% +2.0% YoY	76.69% +0.9% YoY	80%
Non-Interest-Bearing Deposit Share ?	33.77% -6.0% YoY -6.9% QoQ	+9.99%	23.79% +0.5% YoY	23.89% +0.0% YoY	22.01% -1.1% YoY	84%
Nonperforming Asset Ratio ?	1.83% +158.5% YoY +27.6% QoQ	+1.06%	0.77% +28.7% YoY	0.71% +24.8% YoY	0.66% +19.3% YoY	Bottom 12.1% in tier
Tier 1 Capital Ratio ?	32.57% -11.2% YoY -3.0% QoQ	+5.79%	26.77% +2.0% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	Top 14.0% in tier
Non-Interest Income / Assets ?	0.13% +4.5% YoY -87.1% QoQ	-0.54%	0.67% +1.6% YoY	0.16% -16.3% YoY	0.32% +4.0% YoY	80%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 537 peers in under $100M

Top Strengths (4 metrics)

Tier 1 Capital Ratio

capital

Value: 32.57%

Peer Median: 26.77%

#76 of 537 Top 14.0% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 33.77%

Peer Median: 23.79%

#89 of 537 Top 16.4% in under $100M

108

Loan-to-Deposit Ratio

liquidity

Value: 41.08%

Peer Median: 64.11%

#108 of 537 Top 19.9% in under $100M

109

Non-Interest Income / Assets

revenue_mix

Value: 0.13%

Peer Median: 0.67%

#109 of 537 Top 20.1% in under $100M

Top Weaknesses (4 metrics)

489

Delinquency Rate

credit_quality

Value: 5.10%

Peer Median: 1.36%

#489 of 517 Bottom 5.6% in under $100M

496

Efficiency Ratio

profitability

Value: 119.17%

Peer Median: 87.63%

#496 of 537 Bottom 7.8% in under $100M

492

Return on Assets

profitability

Value: -0.76%

Peer Median: 0.86%

#492 of 537 Bottom 8.6% in under $100M

473

Nonperforming Asset Ratio

credit_quality

Value: 1.83%

Peer Median: 0.77%

#473 of 537 Bottom 12.1% in under $100M