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
Unfavorable gap of $8.3M · efficiency ratio beats 80% of banks under $1B in assets | 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 |