BlastPoint's Banking Scorecard
Commonwealth National Bank
Designations: ✓ Community bank ✓ CDFI-certified ✓ Minority Depository Institution
Mobile, AL
2 branches across AL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 12 in AL.
- Deposits +22.3% year over year ($69.5M on the books).
- Delinquency rate 4.38%.
- Return on assets -0.30%.
- Efficiency ratio 106.92% vs a 119.40% peer average.
- Loan-to-deposit ratio 44.24% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Commonwealth National Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 12.48% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.90% above tier average
- - ROA 1.30% below tier average
- - Net Interest Margin 0.19% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$78.5M
+19.7% YoY
+8.1% QoQ
|
+$16.1M |
$62.4M
-0.0% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
69% |
| Total Loans ? |
$30.7M
+21.5% YoY
+17.6% QoQ
|
-$4.2M |
$34.9M
-0.6% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
46% |
| Total Deposits ? |
$69.5M
+22.3% YoY
+9.2% QoQ
|
+$17.8M |
$51.6M
-0.2% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
73% |
| Return on Assets ? |
-0.30%
-62.6% YoY
+60.1% QoQ
|
-1.30% |
1.00%
+3.5% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
Bottom 10.3% in tier |
| Net Interest Margin ? |
3.73%
-1.3% YoY
+1.3% QoQ
|
-0.19% |
3.91%
+2.3% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
41% |
| Efficiency Ratio ? |
106.92%
-1.0% YoY
-10.3% QoQ
|
-12.48% |
119.40%
+49.6% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
Bottom 10.1% in tier |
| Delinquency Rate ? |
4.38%
+143.5% YoY
-14.1% QoQ
|
+2.90% |
1.48%
+31.8% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
Bottom 6.6% in tier |
| Loan-to-Deposit Ratio ? |
44.24%
-0.7% YoY
+7.7% QoQ
|
-29.97% |
74.21%
+12.6% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
31.95%
-9.6% YoY
-5.4% QoQ
|
+8.46% |
23.49%
+0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
80% |
| Nonperforming Asset Ratio ? |
1.71%
+147.2% YoY
-6.5% QoQ
|
+0.88% |
0.84%
+23.0% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
Bottom 13.4% in tier |
| Tier 1 Capital Ratio ? |
28.27%
-16.8% YoY
-13.2% QoQ
|
+1.15% |
27.13%
+3.0% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.40%
+5.6% YoY
+199.8% QoQ
|
-0.98% |
1.38%
+6.3% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
Top 11.8% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
31.9%
-3.4pp YoY -1.8pp QoQ |
+7.3pp | 24.6% | 24.0% | 22.2% | 78% |
| Brokered Deposits | n/a | n/a | 9.8% | 5.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
36.6%
+5.9pp YoY +8.9pp QoQ |
+23.2pp | 13.4% | 16.9% | 12.5% | 95% |
| CRE | n/a | n/a | 25.2% | 43.5% | 41.4% | n/a |
| 1-4 Family |
14.9%
-6.1pp YoY -3.0pp QoQ |
-20.1pp | 35.0% | 30.6% | 31.3% | 29% |
| Consumer |
3.8%
-0.4pp YoY -0.8pp QoQ |
-3.9pp | 7.7% | 5.7% | 5.0% | 40% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
28.3%
-5.7pp YoY -4.3pp QoQ |
-10.4pp | 38.7% | 15.1% | 19.7% | 70% |
| Leverage Ratio |
13.7%
-1.8pp YoY -1.1pp QoQ |
-4.0pp | 17.7% | 13.2% | 12.6% | 60% |
| Total Capital Ratio |
29.5%
-5.7pp YoY -4.3pp QoQ |
-10.1pp | 39.7% | 16.2% | 20.8% | 70% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
19
-1 (-5.0%) YoY +1 (+5.6%) QoQ |
+7 | 12 | 304 | 482 | 87% |
| Assets per Employee ($) |
$4.1M
+26.0% YoY +2.4% QoQ |
-$2.1M | $6.2M | $6.9M | $8.8M | 22% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 20 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
+0.1pp QoQ |
-0.7pp | 1.0% | 0.2% | 0.4% | 36% |
| Nonaccrual |
4.2%
+2.4pp YoY -0.8pp QoQ |
+2.4pp | 1.7% | 1.2% | 1.0% | 92% |
| Allowance Coverage |
0.40x
-68.2% YoY -3.3% QoQ |
-6.01x | 6.41x | 7.50x | 20.23x | 13% |
| Net Charge-off Rate (YTD) |
0.2%
+0.3pp YoY 0.0pp QoQ |
0.0pp | 0.2% | 0.3% | 0.2% | 75% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-2.5%
-1.0pp YoY +3.4pp QoQ |
-8.8pp | 6.4% | 10.0% | 11.6% | 9% |
| Cost of Funds (YTD) |
0.9%
+0.2pp YoY 0.0pp QoQ |
-0.6pp | 1.4% | 1.7% | 1.7% | 20% |
| Net Income ($, YTD) |
$-110000.0
-77.4% YoY — QoQ |
-$428K | $317,817 | $17.2M | $40.4M | 9% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.