Noblebank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 548.12 percentage points lower than in Q1 2026, at 512.31%. Within Alabama, Noblebank & Trust is 14th of 93 on return on assets, 1.72% as of Q2 2026, above the middle of the field. Noblebank & Trust reported 1.72% on return on assets for Q2 2026, 0.47 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.32% |
| Equity capital to assets | 8.49% |
| Tangible equity to tangible assets | 8.49% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.26% |
| Non-performing assets ratio | 0.16% |
| Net charge-off ratio | -0.09% |
| Texas ratio | 1.71% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 512.31% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.72% |
| Return on equity | 21.03% |
| Net interest margin | 4.40% |
| Efficiency ratio | 55.09% |
| Yield on earning assets | 5.54% |
| Cost of funds | 1.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.28% |
| Core deposits to total deposits | 89.69% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.30% |
| Securities to assets | 26.30% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.70% | 1.29% | 3.94% | 0.12% | 0.11% |
| Q4 2023 | 10.34% | 1.41% | 4.04% | 0.18% | 0.05% |
| Q1 2024 | 10.09% | 1.13% | 3.98% | 0.66% | 1.19% |
| Q2 2024 | 10.44% | 1.23% | 4.07% | 0.66% | 0.18% |
| Q3 2024 | 10.55% | 1.15% | 4.06% | 0.38% | 1.13% |
| Q4 2024 | 10.53% | 1.44% | 4.04% | 0.15% | 0.75% |
| Q1 2025 | 10.62% | 1.16% | 4.14% | 0.11% | 0.07% |
| Q2 2025 | 10.54% | 1.54% | 4.25% | 0.10% | 0.02% |
| Q3 2025 | 10.66% | 1.51% | 4.27% | 0.61% | 0.06% |
| Q4 2025 | 10.68% | 1.69% | 4.26% | 0.17% | -0.03% |
| Q1 2026 | 11.28% | 1.74% | 4.25% | 0.13% | 0.13% |
| Q2 2026 | 11.32% | 1.72% | 4.40% | 0.26% | -0.09% |
Noblebank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Noblebank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)