Commonwealth National Bank: how it compares with its peers
Against 20 AL banks with half to twice its assets, Commonwealth National Bank's strongest measure in Q2 2026 is net interest margin (3.73% vs. a 3.71% peer median). Its weakest relative measure is return on assets (-0.30% vs. 0.84%).
| Measure | Commonwealth National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.30% | 0.84% | Bottom third Ahead of 15% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.73% | 3.71% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 106.92% | 72.98% | Bottom third Ahead of 15% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.1M | $4.8M | Middle third Ahead of 40% of peers |
| Loans to deposits Net loans and leases over total deposits. | 44.24% | 51.15% | Context |
What it means for lending operations
Its efficiency ratio of 106.92% is above the 72.98% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Evergreen Evergreen, AL · $78M
- Nova Bank Huntsville, AL · $91M
- Bank47 Huntsville, AL · $97M
- The Farmers & Merchants Bank Waterloo, AL · $98M
- Bank of Walker County Jasper, AL · $99M
- Peoples Exchange Bank Monroeville, AL · $99M
Questions about Commonwealth National Bank
How big is Commonwealth National Bank?
Commonwealth National Bank, established in 1976, is headquartered in Mobile, AL. It reported $79M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Commonwealth National Bank's return on assets?
-0.30% annualized in Q2 2026, against a 0.84% median for 20 AL banks with half to twice its assets, ahead of 15% of them.
What is Commonwealth National Bank's efficiency ratio?
106.92% in Q2 2026: it spent about 107 cents in noninterest expense for each dollar of revenue. The peer median is 72.98%, and lower is better.
Is Commonwealth National Bank growing its loans?
Net loans grew 21.5% over the year to Q2 2026, while deposits grew 22.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Alabama bank ranked.