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Commonwealth National Bank

IDRSSD: 578237
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q4QoQ -7

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #578237 2025-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Watch
Reserves:Watch

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.68% (govt-guarantees stripped).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.82%.

What changed this quarter

Compared to Q3 2025:
↓ -7 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -15
  • Reserves
    ↓ -24

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 45.5%, cash 16.3% of assets.

Cash / Assets
16.27%
Loans / Deposits
45.50%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.46%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 33.58%, CET1 33.58%, leverage 15.59%.

Tier 1 RBC
33.58%
CET1
33.58%
Leverage
15.59%
No watch items at this period.

Asset Quality

WatchQoQ -15
47
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.68%, Texas Ratio 8.5%, NCO YTD 0.17%.

Adjusted NPL
3.68%
Govt-guarantees stripped
Texas Ratio
8.5%
NCO YTD
0.17%
30-89 PD
1.99%
Band 0.3% / 3.0%
90+ PD
1.82%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.68% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.82%.

Reserves

WatchQoQ -24
49
Sub-score

Reserves are deteriorating: ALLL 2.10% of loans, coverage 58.4%, true coverage 58.4%.

ALLL / Loans
2.10%
Coverage
58.4%
True Loss Coverage
58.4%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 23:54:34 UTC