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 | |