Noblebank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Noblebank & Trust is an FDIC-insured commercial bank headquartered in Anniston, AL, established in 2005 (FDIC certificate 58111), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $444.0M, up 2.2% from Q2 2025, the 35th largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.32% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 58111
- Headquarters
- Anniston, AL
- Established
- 2005
- Total assets, Q2 2026
- $444.0M
- Assets vs Q2 2025
- +2.2%
- Tier 1 leverage ratio, Q2 2026
- 11.32%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 062206541
- Latest call report
- Q2 2026, FFIEC 051 · Noblebank & Trust call report
- Holding company
- NOBLE BANCSHARES, INC.
- Asset rank in state
- 35th of 93 in Alabama
Noblebank & Trust leans heavily on commercial real estate. The Anniston, Alabama bank had $444 million in assets at June 30, 2026, up 2.2% from a year earlier. It holds commercial real estate loans worth 2.8 times its capital, 2.3 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it returns 21.0% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Delinquency has appeared in its $36 million commercial and industrial book: 2.27% of those loans are past due or on nonaccrual, against almost none a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $17 million equal 34% of Tier 1 capital, down from 45% a year earlier. One more trend to watch: problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.26% of loans, against 0.10% a year earlier.
As of June 30, 2026, Noblebank & Trust reported a return on assets of 1.72%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 1.71%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Noblebank & Trust is the 35th largest of the 93 banks headquartered in Alabama. Between Q1 2026 and Q2 2026, its total assets rose 1.0% to $444.0M, loans rose 3.8% and deposits fell 0.7%. Non-owner-occupied commercial real estate loans made up 27.4% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 21.0%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in AL; its Anniston office books 28% of its branch deposits. By the capital ratios in its Q2 2026 call report, Noblebank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1509 Quintard Ave, Anniston, AL 36201
- County
- Calhoun
- Metro Area
- Anniston-Oxford, AL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 11, 2005
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 68
- Domestic deposits
- $396.6M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- $23K
- Average total assets
- $447.4M
- Average total loans
- $274.4M
- Average interest-bearing deposits
- $289.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 11, 2005
- FDIC Cert
- 58111
- Fed RSSD
- 3385744
- Website
- www.noblebank.com →
- Parent Holding Company
- NOBLE BANCSHARES, INC. (RSSD 5109672)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Noblebank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Noblebank & Trust's total assets moved between a low of $400.9M (Q2 2024) and a high of $444.9M (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$444.0M total assets against $434.3M; $406.4M total liabilities against $404.8M.
$271.1M net loans and leases against $264.9M; $396.6M total deposits against $399.7M.
$116.8M securities against $113.0M; $25.8M cash and balances due against $27.1M.
$5.8M total interest income against $5.7M; $1.2M total interest expense against $1.3M.
$4.6M net interest income against $4.3M.
$884K total noninterest income against $810K; $3.0M total noninterest expense against $3.0M.
$68K provision for credit losses against $157K.
$1.9M net income against $1.7M.
1.72% return on assets against 1.54%; 4.40% net interest margin against 4.25%.
11.32% tier 1 leverage ratio against 10.54%.
Inside the full Noblebank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Noblebank & Trust rankings
Its closest position to the top of a national ranking is 864 of 3,611, for ROA; its furthest is 2,379 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.15% (Q3 2024) to 1.74% (Q1 2026) and its net interest margin ran from 4.04% (Q4 2024) to 4.40% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.32% | 1.72% | 0.26% | 1.71% | 4.40% |
| Q1 2026 | 11.28% | 1.74% | 0.07% | 0.48% | 4.25% |
| Q4 2025 | 10.68% | 1.69% | 0.11% | 0.76% | 4.26% |
| Q3 2025 | 10.66% | 1.51% | 0.61% | 4.48% | 4.27% |
| Q2 2025 | 10.54% | 1.54% | 0.10% | 0.81% | 4.25% |
| Q1 2025 | 10.62% | 1.16% | 0.11% | 0.85% | 4.14% |
| Q4 2024 | 10.53% | 1.44% | 0.15% | 1.27% | 4.04% |
| Q3 2024 | 10.55% | 1.15% | 0.38% | 2.48% | 4.06% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Noblebank & Trust (main office) | Anniston , AL | 36201 | $111.5M |
| Oxford Office | Oxford , AL | 36203 | $106.9M |
| Alexandria Office Branch | Alexandria , AL | 36250 | $70.3M |
| Birmingham Office Branch | Birmingham , AL | 35243 | $36.9M |
| Heflin Branch | Heflin , AL | 36264 | $35.8M |
| Piedmont Office Branch | Piedmont , AL | 36272 | $35.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action October 28, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in AL, rank 51 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $3.9M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Noblebank & Trust
What are Noblebank & Trust's total assets?
As of the Q2 2026 filing, Noblebank & Trust reported total assets of $444.0 million in its FFIEC call report.
Where is Noblebank & Trust headquartered?
It is headquartered in Anniston, AL, United States.
When was Noblebank & Trust founded?
It was established in 2005, per the FDIC institution directory.
Is Noblebank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58111). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Noblebank & Trust?
Noblebank & Trust's primary federal regulator is the Federal Reserve.
How many branches does Noblebank & Trust operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Noblebank & Trust's Texas Ratio?
Its Texas Ratio is 1.71% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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