Noblebank & Trust: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 28.08 percentage points in Q2 2026, from 252.52% to 280.60%. It was the largest change from Q1 2026 among the key lines here. Noblebank & Trust ranks 45th of 93 Alabama banks on loan-to-deposit ratio, in the upper half at 69.28% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Noblebank & Trust sits 11.56 points lower, at 69.28% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $274.7M |
| Net loans and leases | $271.1M |
| Loans held for sale | $0 |
| Loans to total assets | 61.87% |
| Loan-to-deposit ratio | 69.28% |
| Net loans to equity capital | 7.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.61% |
| Multifamily (5+ residential) | 5.72% |
| Commercial and industrial | 13.14% |
| Consumer | 3.12% |
| Credit cards | 0.20% |
| Farm | 0.49% |
| Loans to depository institutions | 1.27% |
| State and political subdivisions | 0.40% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 280.60% |
| Construction concentration (Tier 1 capital + allowance) | 46.84% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.55% |
| Interest income on loans | $4.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $258.0M | $380.4M | 43.63% | 10.78% | 3.03% |
| Q4 2023 | $260.5M | $375.5M | 42.02% | 10.63% | 3.02% |
| Q1 2024 | $255.3M | $379.5M | 43.33% | 10.44% | 3.07% |
| Q2 2024 | $254.5M | $371.1M | 43.18% | 10.74% | 2.97% |
| Q3 2024 | $243.7M | $381.2M | 41.99% | 10.40% | 3.25% |
| Q4 2024 | $252.1M | $385.0M | 43.15% | 10.01% | 3.03% |
| Q1 2025 | $258.0M | $392.4M | 45.53% | 11.95% | 3.55% |
| Q2 2025 | $268.2M | $399.7M | 45.95% | 11.72% | 3.47% |
| Q3 2025 | $267.7M | $406.9M | 46.05% | 11.40% | 3.36% |
| Q4 2025 | $262.9M | $398.4M | 44.16% | 11.23% | 3.42% |
| Q1 2026 | $264.6M | $399.5M | 42.90% | 13.06% | 3.27% |
| Q2 2026 | $274.7M | $396.6M | 45.61% | 13.14% | 3.12% |
Noblebank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Noblebank & Trust, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Noblebank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58111) · FFIEC NIC profile (RSSD 3385744)