Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Anniston, AL · FDIC certificate #58111
NOBLEBANK&TRUST is an FDIC-insured institution based in Anniston, AL (FDIC certificate #58111). In its Q3 2026 Call Report it reported total assets of $470M, total deposits of $413M and net loans of $287M. Its primary federal regulator is FED.
Plain-language readout
NOBLEBANK&TRUST has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $470M in Q3 2026 and were lowest at $440M in Q1 2026.
Total deposits were highest at $413M in Q3 2026 and lowest at $397M in Q2 2026.
Over the whole period total assets rose 6.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $470M | $413M | $287M | 1.79% | 21.94% | 4.47% |
| Q2 2026 | $444M | $397M | $271M | 1.74% | 21.16% | 4.40% |
| Q1 2026 | $440M | $399M | $261M | 1.73% | 21.45% | 4.27% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $22.3M | $32.3M | -$10.0M | -31.0% |
| Federal funds sold | $3.4M | $0K | +$3.4M | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $116.8M | $116.1M | +$670K | +0.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $271.1M | $261.1M | +$10.0M | +3.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $8.7M | $8.8M | -$149K | -1.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $21.8M | $21.4M | +$380K | +1.8% |
| Total assets | $444.0M | $439.8M | +$4.3M | +1.0% |
| Liabilities | ||||
| Total deposits | $396.6M | $399.5M | -$2.9M | -0.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $5.0M | $0K | +$5.0M | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.8M | $4.6M | +$200K | +4.4% |
| Total liabilities | $406.4M | $404.1M | +$2.3M | +0.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.5M | $1.5M | $0K | 0.0% |
| Surplus | $21.9M | $21.9M | $0K | 0.0% |
| Retained earnings | $27.3M | $25.9M | +$1.4M | +5.2% |
| Accumulated other comprehensive income | -$12.9M | -$13.6M | +$674K | +4.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $37.7M | $35.7M | +$2.0M | +5.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $707K | $189K | +$518K | +274.1% |
| Adjusted nonperforming assets | $707K | $189K | +$518K | +274.1% |
| Tangible equity plus allowance | $41.3M | $39.2M | +$2.1M | +5.5% |
| Texas ratio (gross) | 1.71% | 0.48% | +1.23 pts | See points |
| Texas ratio (adjusted) | 1.71% | 0.48% | +1.23 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | 0.84% | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.32% | 11.28% | +0.04 pts | See points |
| Construction and land loans to total capital | 46.84% | 54.35% | -7.51 pts | See points |
| Commercial real estate to total capital | 214.36% | 204.08% | +10.29 pts | See points |
| Dividend payout, year to date | 30.14% | 30.37% | -0.23 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -33.50% | -36.00% | +2.50 pts | See points |
| Liquidity | ||||
| Core deposits | $355.7M | $353.2M | +$2.5M | +0.7% |
| Non-core funding | $45.9M | $46.3M | -$439K | -0.9% |
| Loans to core deposits | 77.24% | 74.94% | +2.31 pts | See points |
| Loans to deposits | 69.28% | 66.24% | +3.03 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 13.78% | 13.82% | -0.03 pts | See points |
| Loans pledged, share of loans | 15.71% | 16.27% | -0.56 pts | See points |
| Volatile liabilities | $45.9M | $46.3M | -$439K | -0.9% |
| Earnings | ||||
| Earnings before provision, year to date | $4.7M | $2.3M | +$2.4M | +106.3% |
| Earnings before provision, single quarter | $2.4M | $2.3M | +$144K | +6.3% |
| Provision for credit losses, year to date | $31K | -$37K | +$68K | +183.8% |
| Yield and cost | ||||
| Yield on loans and leases | 6.55% | 6.38% | +0.17 pts | See points |
| Yield on interest-bearing balances due from banks | 3.86% | 3.97% | -0.12 pts | See points |
| Total interest income to average assets | 5.16% | 5.02% | +0.14 pts | See points |
| Cost of interest-bearing transaction accounts | 0.35% | 0.36% | -0.01 pts | See points |
| Cost of savings and money market deposits | 1.25% | 1.20% | +0.06 pts | See points |
| Cost of time deposits | 3.17% | 3.28% | -0.11 pts | See points |
| Total interest expense to average assets | 1.07% | 1.09% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $470M | $413M | $287M | 1.79% | 21.94% | 4.47% |
| 2026-06-30 | $444M | $397M | $271M | 1.74% | 21.16% | 4.40% |
| 2026-03-31 | $440M | $399M | $261M | 1.73% | 21.45% | 4.27% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $399.7M | 0.28% | 50 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.