# COMMONWEALTH NATIONAL BANK
MOBILE, AL · FDIC certificate 22229 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $78.5M | |
| Deposits | $69.5M | |
| Loans and leases | $31.3M | |
| Total equity | $8.8M | |
| Loans / deposits | 44.24% (p15 of band) | 73.59% |
| Liquid assets / assets | 57.76% (p86 of band) | |
| Uninsured deposits / deposits | 42.21% (p93 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.73% (p69 of band) | 11.76% |
| Unrealized securities loss / equity | -18.85% (p24 of band) | -6.57% |
| AOCI / equity | -3.65% (p4 of band) | |
| ROA (annualized) | -0.30% (p5 of band) | 1.17% |
| Net interest margin | 3.73% (p39 of band) | 3.93% |
| Efficiency ratio | 106.92% (p95 of band) | |
| Noncurrent loans | 4.31% (p96 of band) | 0.36% |
| Net charge-offs (annualized) | 0.06% (p82 of band) | |
| Reserve coverage of noncurrent | 39.60% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 5.32% (p30 of band) | |
| Auto loans | $150,000 (0.48% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 22.3% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | expense ratio p90 |  |
| 2012-03 | 4 | capital falling, losing money |  |
| 2012-06 | 5 | leverage <7% |  |
| 2012-09 | 5 | deposits shrinking, assets shrinking | capital falling, leverage <7% |
| 2012-12 | 4 | noncurrent p90 | expense ratio p90, losing money |
| 2013-03 | 6 | losing money, expense ratio p90, charge-offs p90 | noncurrent p90 |
| 2013-06 | 3 | capital falling | reserve under noncurrent, deposits shrinking, assets shrinking, expense ratio p90 |
| 2013-09 | 6 | expense ratio p90, noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking | charge-offs p90, capital falling |
| 2013-12 | 5 | AOCI drag >20% of equity | deposits shrinking, assets shrinking |
| 2014-03 | 5 | capital falling | AOCI drag >20% of equity |
| 2014-06 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2014-09 | 4 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-12 | 5 | capital falling |  |
| 2015-03 | 6 | charge-offs p90 |  |
| 2015-06 | 7 | leverage <7% |  |
| 2015-09 | 7 |  |  |
| 2015-12 | 5 |  | capital falling, leverage <7% |
| 2016-03 | 6 | leverage <7% |  |
| 2016-06 | 3 |  | losing money, charge-offs p90, leverage <7% |
| 2016-09 | 2 |  | expense ratio p90 |
| 2016-12 | 4 | expense ratio p90, charge-offs p90 |  |
| 2017-03 | 5 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2017-06 | 6 | losing money |  |
| 2017-09 | 4 |  | deposits shrinking, assets shrinking |
| 2017-12 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-03 | 6 |  | uninsured deposits leaving |
| 2018-06 | 6 |  |  |
| 2018-09 | 5 |  | reserve under noncurrent |
| 2018-12 | 6 | capital falling, charge-offs p90, reserve under noncurrent | deposits shrinking, assets shrinking |
| 2019-03 | 4 |  | losing money, charge-offs p90 |
| 2019-06 | 3 |  | capital falling |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | losing money |  |
| 2020-03 | 7 | capital falling, charge-offs p90, deposits shrinking |  |
| 2020-06 | 6 |  | deposits shrinking |
| 2020-09 | 4 |  | noncurrent p90, reserve under noncurrent |
| 2020-12 | 2 |  | capital falling, charge-offs p90 |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity |  |
| 2022-06 | 4 | securities losses >30% of equity |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  | expense ratio p90, losing money |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 3 | losing money, expense ratio p90 |  |
| 2024-09 | 3 | capital falling | securities losses >30% of equity |
| 2024-12 | 1 |  | losing money, capital falling |
| 2025-03 | 2 | losing money |  |
| 2025-06 | 3 | deposits shrinking |  |
| 2025-09 | 3 | reserve under noncurrent | deposits shrinking |
| 2025-12 | 3 | noncurrent p90 | losing money |
| 2026-03 | 5 | capital falling, losing money |  |
| 2026-06 | 5 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-05-09 [Black-owned banks serving their communities - Business Alabama Magazine](https://news.google.com/rss/articles/CBMifEFVX3lxTFAyelZsbG5xeHNySkRlUjNzX3RMYzh4RFlkTEd2LWZuZjc4eWJYeG91a3ZicHR5WUVmNnNkTkZKRXhTeVJMWGpzX0dKREwtRm5FaENFa1B6ZmJTeFFMVF9pTmg2RHF0bW9WeXZaZFhycnhFTy14bzNRdUw0dEo?oc=5) · Business Alabama Magazine
- 2021-05-18 [A new way for banks to think about supporting CDFIs - American Banker](https://news.google.com/rss/articles/CBMilAFBVV95cUxNR25mVjcxN0dfOFd6MjJmLWwxQlVfR1pIX1hOb3NIbUVMeDI1V3dSbDBrV09DYlN6WEpFN1RqTUxLbnNFLTRiUDUzZUVZcGN1dzZJTzBmS0pKR3Y4MmM3NkIybXo1Mzg0azdRamc4c25HTU1GdHZNeExpS0ZyRlZZQjVSMm92QkRzY0FlMVRLaGVhSk91?oc=5) · American Banker
- 2025-07-29 [JPMorgan Chase commits $2 million to Alabama - The Business Journals](https://news.google.com/rss/articles/CBMikwFBVV95cUxOSkxqWXpKb0lHdnpPNVNtblBKc1JRSUFnTktEc25uVzB4RXQ0a0NaRXBkZTItaG5ZcDh4Q2E5R1pYYlc0TUVlMHZKSEdtdTNTVEZfUWoybVBiZU5CbEFlcEx0SVdjZGFFLWk4UGtzbGt6dG9Kc0lXM2p5cHYzeU5TX0dCZW1TQmlnQm91bTFzNEZXcjg?oc=5) · The Business Journals
- 2025-04-17 [The Black Founders' Innovation Summit & Tour returns to downtown Pensacola this week - Pensacola News Journal](https://news.google.com/rss/articles/CBMixwFBVV95cUxPaHZFXzhwYkQxeEdfV29aWnVuMEg4OVlkSFNmODlkUTNlX21WQmtEZy1Dc3dpbDc5SlhlVmlXbTdvS0wxMDNPVV9ZTU5mZjEwSVpiS2R6UENoRGE3NlZlVF9WbUxoREc1ZEd4OFZDa3o5bVdWQlNqbHhrczFIaXM4M2lrVGV0MTNSYXRQYmhOSDNQOWtGNWYyX0pxd3JHUnI4dm1Dd0l5eHdXck5NbEk0cWNtX1pRVDU4eWZycjJSOGdlQTdqcExN?oc=5) · Pensacola News Journal
- 2020-07-01 [Black-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMicEFVX3lxTFB5NHlXMVFqNU0wTjdESlM2b0g4OGp5ODQ0cTNtOW83eFBEMTBWbl9kUUp4VTNHX3plLVBlS3J1X3VNMGdhcDVaajZrZTJlX3RuS3FPNjJHWkNBSlRxbExsUFVlbUJfTjhZa3B3TS02Q2M?oc=5) · Investopedia
- 2025-07-29 [JPMorganChase Commits $2 Million to Increase Capital Access for Alabama Small Businesses - The Birmingham Times](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNTjdxeFJiNElPYThzNjBHQzlNTkFhU0NMMkRXak1zUVdKQzk2Y01zTnFTb2s4cnNjZU1FeUh2UTNuUFExZU90MmN4d0JEbDh4ekctb3c1RTJzWVZyaEZ4SndTMVJBejg0RlFkMU01Y3VjaV9KaGtJUzNEQnpnb2JjRDEwNWI1ZWJfLUo2WDZMdENGUktyM1E3THlyLXNyOEtZbWhsVktCRVViLVJtWjRBT0xZY0t0WEdKbmlkWWVlSV9adFl6aG95Zw?oc=5) · The Birmingham Times
- 2022-07-28 [Black Banks That Are Still Operating In 2021 - Shoppe Black](https://news.google.com/rss/articles/CBMiUkFVX3lxTE96RnFxbW5TMWtOd0J2YzZSZVp1WElZLVluQ3hGeTFrbWRSNHAtWTFEbzBPcHgyRnlKNlpFYktwMXVfbmx6QW1TRXRUQVhpVjNfV3c?oc=5) · Shoppe Black
- 2021-10-03 [Dora FINLEY Obituary (2012) - Mobile, AL - AL.com (Mobile) - AL.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxNRXZDWjBPU050dHdJc1g5d0R0a0ozZ3o1VWpSbnFfVUswYUcwYThZT0pteGN2ZnpXTjU0el9jQ1VnMkp3SEc5WHNIVFU4b3QtNjVyWjJQMHZzMzl1dEtBVHZJTHRleGJ0dFRBMUV1bUJ2UldKX1ZVLUttOGRFbk9CT0JjZGk5dw?oc=5) · AL.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22229 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/21.json (key "22229", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide