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Noblebank & Trust

Anniston, AL · Cert 58111 · Noble Bancshares Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

22

Q2 2024Q2 2026peer median (50)

Asset Quality

42

Q2 2024Q2 2026peer median (50)

Profitability

83

Q2 2024Q2 2026peer median (50)

Liquidity

64

Q2 2024Q2 2026peer median

Efficiency

80

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Noblebank & Trust

Anniston, AL · Cert 58111 · Noble Bancshares Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$444.0MAssets
$274.7MLoans
$396.6MDeposits
$37.7MEquity
Loan mix
83%RE $216.9M13%C&I $34.6M3%Consumer $8.7MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $283.6M28%Noninterest $112.9MQ2 2025Q2 2026

NIM

5.12%Q2 ’245.09%Q2 ’255.03%Q2 ’26+1%+3%

Non-interest income vs. expense

2.72%Q2 ’242.67%Q2 ’252.63%Q2 ’26-5%-4%

Market Position · Anniston-Oxford, AL · 2026 SOD (annual) · 15.1% share · #2 of 11 inst. · $0.3B of $2.1B

15.1% Calhoun
0.1% Jefferson
14.3% Cleburne

Executive Summary

  • Earnings: ROA of 1.74%, up 38 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.26% of loans (+16 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 11.32%, up 78 bps from a year ago.
  • Funding: loans stand at 69.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.74%+38 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+10 bps YoY

Efficiency Ratio (YTD, annualized)

55.61%-237 bps YoY

Tier 1 Leverage Ratio

11.32%+78 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.40%1.49%1.73%1.74%+38 bps
Return on Equity20.34%20.50%20.99%21.45%21.16%+82 bps
Net Interest Margin3.87%3.88%3.82%3.93%3.97%+10 bps
Efficiency Ratio57.99%57.25%56.84%55.59%55.61%-237 bps
Non-Interest Burden1.93%1.91%1.86%1.85%1.87%-7 bps
Growth
Asset Growth (YoY)8.35%7.14%5.60%3.53%2.24%-611 bps
Loan Growth (YoY)5.37%9.86%4.29%2.58%2.44%-294 bps
Deposit Growth (YoY)7.71%6.72%3.47%1.80%-0.78%-849 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.61%0.11%0.07%0.26%+16 bps
Net Charge-Offs / Loans0.04%0.05%0.03%0.13%0.02%-3 bps
Allowance / Loans1.24%1.33%1.37%1.33%1.32%+8 bps
Allowance Coverage of NPLs12.5x2.2x12.2x18.6x5.1x-7.4x
Capital
Tier 1 Leverage Ratio10.54%10.66%10.68%11.28%11.32%+78 bps
Total Risk-Based Capital10.54%10.66%10.68%11.28%11.32%+78 bps
Equity / Assets6.80%7.38%8.02%8.11%8.49%+169 bps
Liquidity & Funding
Loans / Deposits67.10%65.79%65.99%66.24%69.28%+218 bps
Liquid Assets / Assets4.83%6.53%5.97%6.22%3.75%-108 bps
CRE / Total Capitaln/a357%338%322%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Noblebank & Trust

Anniston, AL · Cert 58111 · Peer group: banks under $1B in assets (n=581-629) · Noble Bancshares Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$444.0MAssets
$274.7MLoans
$396.6MDeposits
$37.7MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 94% of banks under $1B in assets (rank 40 of 629).
  • Widest gap: equity / assets trails 83% of banks under $1B in assets (rank 525 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.72%

Rank 109 of 629

Net Interest Margin

3.97%

Rank 180 of 629

Efficiency Ratio

55.61%

Rank 127 of 629

Equity / Assets

8.49%

Rank 525 of 629

Non-interest income vs. expense

$3.4M$11.8MINCOMEEXPENSE
Unfavorable gap of $8.3M · efficiency ratio beats 80% of banks under $1B in assets
Bank 55.61%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.72%0.60%1.01%1.45%Beats 83%109 / 629
Return on Equity20.31%5.38%9.30%13.28%Beats 94%40 / 629
Net Interest Margin3.97%3.03%3.54%4.05%Beats 71%180 / 629
Efficiency Ratio55.61%58.35%67.79%79.08%Beats 80%127 / 629
Asset Quality
Nonperforming Loans / Loans0.26%0.09%0.46%1.20%Beats 60%234 / 581
Net Charge-Offs / Loans0.07%n/a0.01%0.06%Beats 24%443 / 581
Capital
Tier 1 Capital Ratio11.32%11.24%13.84%18.77%Beats 26%465 / 629
Total Risk-Based Capital Ratio11.32%11.58%14.43%19.66%Beats 22%490 / 629
Equity / Assets8.49%9.09%10.65%13.80%Beats 17%525 / 629
Liquidity & Funding
Loans / Deposits69.28%67.24%80.90%93.48%29th pctl422 / 594
Loans / Assets61.87%53.31%67.71%78.15%38th pctl390 / 629
Brokered Deposits / Depositsn/aNot reported for this institution