What are the current interest rates at Commonwealth National Bank?

Current rates for Commonwealth National Bank include: Savings: 0.06%

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Commonwealth National Bank Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Commonwealth National Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 20, 2026

Commonwealth National Bank's savings rates are at 0.06%. MonitorBankRates evaluates the financial stability of Commonwealth National Bank with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.30%. Rates last updated and verified on 09/20/2026.

Commonwealth National Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Commonwealth National Bank? Share your experience about Commonwealth National Bank by leaving a review below, or read customer reviews before you decide to use Commonwealth National Bank.

Overall Health & Safety Grade

A-

Very Good Health Score: 92/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

15.30%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Commonwealth National Bank

2214 Saint Stephens Rd
Mobile, AL 36617

https://www.ecommonwealthbank.com

Commonwealth National Bank Savings Rates

Product	Rate	APY
Children's Savings Account	0.35%	0.35%
Min Deposit $25 Details Parent must be signatory. This account must be opened at a branch. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.30%
Regular Savings Account	0.35%	0.35%
Min Deposit $100 Details Use your savings account for overdraft protection on your checking account. Only 6 debit transactions per quarter; if greater, then $5 per transaction Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.30%
Holiday Club Savings Account	0.06%	0.06%
Min Deposit $25 Details Distribution of all savings the first week of November. $15 early withdrawal penalty. No debit/ATM card. This account must be opened at a branch. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.30%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Commonwealth National Bank’s Texas Ratio rose from 0.00% in Q3 2023 to 15.30% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$79M	15.30%	5.0	A-
March 31, 2026	$73M	14.99%	5.0	A-
December 31, 2025	$66M	10.30%	5.0	A
September 30, 2025	$67M	6.71%	5.0	A
June 30, 2025	$66M	5.25%	5.0	A+
March 31, 2025	$67M	5.62%	5.0	A+
December 31, 2024	$66M	4.30%	5.0	A+
September 30, 2024	$68M	4.12%	5.0	A+
June 30, 2024	$68M	4.63%	5.0	A+
March 31, 2024	$67M	5.78%	5.0	A+
December 31, 2023	$67M	4.52%	5.0	A+
September 30, 2023	$67M	0.00%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Commonwealth National Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Commonwealth National Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Commonwealth National Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Commonwealth National Bank

Bank Holding Company CNB BCORP INC

Address 2214 Saint Stephens Rd, Mobile, AL 36617 · Mobile

Website https://www.ecommonwealthbank.com

FDIC Certificate # 22229

Established 19760219

FDIC Insurance Date 19760219

Domestic Offices 2

Total Branches 2

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 92/100

5.0

Exceptional Out of 5.0 Stars

15.30%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) -0.3036%

Return on Equity (ROE) -2.4500%

Non-Performing Loans (NPL) 1.71%

Total Assets $78,539,000

Total Deposits $69,463,000

Equity Capital $8,800,000

Net Income $-110,000

Headquarters Mobile

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About Commonwealth National Bank

How many branches does Commonwealth National Bank operate?

Commonwealth National Bank currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Commonwealth National Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Commonwealth National Bank provides members with tools to manage their accounts and build a solid financial history.

Does Commonwealth National Bank offer online and mobile banking?

Most modern institutions like Commonwealth National Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ecommonwealthbank.com.