Headquartered in Mobile, Alabama, Commonwealth National Bank is a national bank with $78.5M in total assets and $69.5M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1976.
Commonwealth National Bank has a TellerScore of 45 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 546 banks with under $100 million in assets. Among 93 banks headquartered in Alabama, it ranks 89th. Capital cushion contributes the most (87/100, 13.73%); loan quality contributes the least (0/100, 4.31%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 20 points (65 → 45), mostly because the loan quality component weakened by 41 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 68 |
| Q4 2024 | 70 |
| Q1 2025 | 63 |
| Q2 2025 | 65 |
| Q3 2025 | 58 |
| Q4 2025 | 55 |
| Q1 2026 | 48 |
| Q2 2026 | 45 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.79% |
| Q3 2024 | 15.06% |
| Q4 2024 | 15.48% |
| Q1 2025 | 15.40% |
| Q2 2025 | 15.56% |
| Q3 2025 | 15.63% |
| Q4 2025 | 15.59% |
| Q1 2026 | 14.84% |
| Q2 2026 | 13.73% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.54% |
| Q3 2024 | 1.47% |
| Q4 2024 | 1.41% |
| Q1 2025 | 1.88% |
| Q2 2025 | 1.76% |
| Q3 2025 | 2.39% |
| Q4 2025 | 3.60% |
| Q1 2026 | 5.00% |
| Q2 2026 | 4.31% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.28% |
| Q3 2024 | -0.09% |
| Q4 2024 | 0.05% |
| Q1 2025 | -0.23% |
| Q2 2025 | -0.19% |
| Q3 2025 | -0.20% |
| Q4 2025 | 0.13% |
| Q1 2026 | -0.76% |
| Q2 2026 | -0.30% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 45 | $78.5M | 13.73% | 4.31% | -0.30% | 44.2% |
| Q1 2026 | 48 | $72.7M | 14.84% | 5.00% | -0.76% | 41.1% |
| Q4 2025 | 55 | $66.2M | 15.59% | 3.60% | 0.13% | 45.5% |
| Q3 2025 | 58 | $66.6M | 15.63% | 2.39% | -0.20% | 43.6% |
| Q2 2025 | 65 | $65.6M | 15.56% | 1.76% | -0.19% | 44.5% |
| Q1 2025 | 63 | $67.2M | 15.40% | 1.88% | -0.23% | 42.3% |
| Q4 2024 | 70 | $66.4M | 15.48% | 1.41% | 0.05% | 41.5% |
| Q3 2024 | 68 | $68.1M | 15.06% | 1.47% | -0.09% | 40.0% |
| Q2 2024 | 66 | $67.9M | 15.79% | 1.54% | -0.28% | 38.4% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of EvergreenBank Evergreen, AL | 81 out of 100, Strong | $78.1M | 14.2% | 0.59% | vs |
| Nova BankBank Huntsville, AL | 82 out of 100, Strong | $91.2M | 28.1% | 0.00% | vs |
| Bank47Bank Huntsville, AL | 69 out of 100, Moderate | $97.0M | 13.0% | 0.18% | vs |
| The Farmers & Merchants BankBank Waterloo, AL | 75 out of 100, Strong | $98.3M | 17.0% | 1.33% | vs |
| Bank of Walker CountyBank Jasper, AL | 75 out of 100, Strong | $98.5M | 11.2% | 0.46% | vs |
| Peoples Exchange BankBank Monroeville, AL | 64 out of 100, Moderate | $98.6M | 13.5% | 2.44% | vs |
Deposit insurance
Is my money safe at Commonwealth National Bank?
Yes. Commonwealth National Bank is an FDIC-insured institution (FDIC certificate #22229). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 42.2% of deposits ($29.3M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.73%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 29.52% (benchmark: 10%).
2 locations
Branches
Commonwealth National Bank lists 2 offices in 1 city. Most locations:
- Mobile, AL (2)
Identity & history
Profile
- Legal name
- Commonwealth National Bank
- Type
- National bank
- FDIC certificate #
- 22229
- RSSD ID
- 578237
- Primary regulator
- OCC
- Holding company
- Cnb Bcorp Inc
- Established
- February 19, 1976
- Headquarters
- 2214 Saint Stephens Rd, Mobile, AL 36617
- Website
- www.ecommonwealthbank.com
- Employees
- 19
Quick answers
Commonwealth National Bank: common questions
Is Commonwealth National Bank FDIC insured?
Yes. Commonwealth National Bank is an FDIC-insured institution (FDIC certificate #22229). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Commonwealth National Bank's TellerScore?
45 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Commonwealth National Bank ever failed?
There is no failure record for FDIC certificate #22229 in the FDIC failed bank list.
How many branches does Commonwealth National Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mobile
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| University of South Alabama Federal Credit UnionCredit union Mobile, AL | 96 out of 100, Very strong | $56.2M | 16.4% | 0.49% | vs |
| Family Security Credit UnionCredit union Decatur, AL | 95 out of 100, Very strong | $1.1B | 19.9% | 0.61% | vs |
| Blue Flame Credit UnionCredit union Mobile, AL | 90 out of 100, Very strong | $10.7M | 15.4% | 0.00% | vs |
| Mobile Government Emp. Credit UnionCredit union Mobile, AL | 90 out of 100, Very strong | $15.0M | 22.0% | 0.00% | vs |
| Navigator Federal Credit UnionCredit union Pascagoula, MS | 90 out of 100, Very strong | $406.7M | 18.0% | 0.38% | vs |
| Jm Associates Federal Credit UnionCredit union Jacksonville, FL | 87 out of 100, Very strong | $151.2M | 15.5% | 0.71% | vs |