Anniston, AL · Cert 58111 · Noble Bancshares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
22
Asset Quality
42
Profitability
83
Liquidity
64
Efficiency
80
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.
Anniston, AL · Cert 58111 · Noble Bancshares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Market Position · Anniston-Oxford, AL · 2026 SOD (annual) · 15.1% share · #2 of 11 inst. · $0.3B of $2.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.23% | 1.16% | 1.36% | 1.40% | 1.49% | 1.73% | 1.74% | +38 bps | |
| Return on Equity | 17.91% | 19.07% | 17.59% | 20.34% | 20.50% | 20.99% | 21.45% | 21.16% | +82 bps | |
| Net Interest Margin | 3.79% | 3.70% | 3.87% | 3.87% | 3.88% | 3.82% | 3.93% | 3.97% | +10 bps | |
| Efficiency Ratio | 60.47% | 59.38% | 58.10% | 57.99% | 57.25% | 56.84% | 55.59% | 55.61% | -237 bps | |
| Non-Interest Burden | 2.02% | 1.92% | 1.93% | 1.93% | 1.91% | 1.86% | 1.85% | 1.87% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.95% | 1.52% | 4.14% | 8.35% | 7.14% | 5.60% | 3.53% | 2.24% | -611 bps | |
| Loan Growth (YoY) | -5.55% | -3.26% | 1.07% | 5.37% | 9.86% | 4.29% | 2.58% | 2.44% | -294 bps | |
| Deposit Growth (YoY) | 0.23% | 2.53% | 3.40% | 7.71% | 6.72% | 3.47% | 1.80% | -0.78% | -849 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 0.15% | 0.11% | 0.10% | 0.61% | 0.11% | 0.07% | 0.26% | +16 bps | |
| Net Charge-Offs / Loans | 0.87% | 0.81% | 0.07% | 0.04% | 0.05% | 0.03% | 0.13% | 0.02% | -3 bps | |
| Allowance / Loans | 1.28% | 1.20% | 1.23% | 1.24% | 1.33% | 1.37% | 1.33% | 1.32% | +8 bps | |
| Allowance Coverage of NPLs | 3.3x | 8.0x | 11.7x | 12.5x | 2.2x | 12.2x | 18.6x | 5.1x | -7.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.55% | 10.53% | 10.62% | 10.54% | 10.66% | 10.68% | 11.28% | 11.32% | +78 bps | |
| Total Risk-Based Capital | 10.55% | 10.53% | 10.62% | 10.54% | 10.66% | 10.68% | 11.28% | 11.32% | +78 bps | |
| Equity / Assets | 7.15% | 6.41% | 6.77% | 6.80% | 7.38% | 8.02% | 8.11% | 8.49% | +169 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.92% | 65.47% | 65.74% | 67.10% | 65.79% | 65.99% | 66.24% | 69.28% | +218 bps | |
| Liquid Assets / Assets | 5.90% | 4.20% | 5.48% | 4.83% | 6.53% | 5.97% | 6.22% | 3.75% | -108 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 357% | 338% | 322% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.72% | 0.60% | 1.01% | 1.45% | Beats 83% | 109 / 629 | ||
| Return on Equity | 20.31% | 5.38% | 9.30% | 13.28% | Beats 94% | 40 / 629 | ||
| Net Interest Margin | 3.97% | 3.03% | 3.54% | 4.05% | Beats 71% | 180 / 629 | ||
| Efficiency Ratio | 55.61% | 58.35% | 67.79% | 79.08% | Beats 80% | 127 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.26% | 0.09% | 0.46% | 1.20% | Beats 60% | 234 / 581 | ||
| Net Charge-Offs / Loans | 0.07% | n/a | 0.01% | 0.06% | Beats 24% | 443 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.32% | 11.24% | 13.84% | 18.77% | Beats 26% | 465 / 629 | ||
| Total Risk-Based Capital Ratio | 11.32% | 11.58% | 14.43% | 19.66% | Beats 22% | 490 / 629 | ||
| Equity / Assets | 8.49% | 9.09% | 10.65% | 13.80% | Beats 17% | 525 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.28% | 67.24% | 80.90% | 93.48% | 29th pctl | 422 / 594 | ||
| Loans / Assets | 61.87% | 53.31% | 67.71% | 78.15% | 38th pctl | 390 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||