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Overview / Commentary
256-741-1800
1509 Quintard Avenue
Anniston, AL 36207

NobleBank & Trust is headquartered in Anniston and is the 65th largest bank in the state of Alabama. It is also the 3,303rd largest bank in the nation. It was established in 2005 and as of June of 2014, it had grown to 42 employees at 4 locations. NobleBank & Trust has a B+ health rating.

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Health

Data for Q2 2014

Institution Health

B+

Texas Ratio

GRADE:
B+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 NobleBank & Trust had $2.23 million in non-current loans and owned real-estate with $19.08 million in equity and loan loss allowances on hand to cover it. This gives NobleBank & Trust a Texas Ratio of 11.67% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for NobleBank & Trust decreased slightly from 13.74% as of June 30, 2013 to 11.67% as of June 30, 2014, resulting in a positive change of 15.10%.This indicates that the balance sheet and financial strength for NobleBank & Trust has improved slightly in recent periods.

Deposit Growth

GRADE:
A

In the past year, NobleBank & Trust has increased its total deposits by $5.57 million, resulting in 3.78% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth NobleBank & Trust has shown is excellent.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. NobleBank & Trust has $176.13 million in assets with $19.08 million in equity, resulting in a capitalization level of 10.83%, which is above average.

Institution Statistics

Overall
FDIC Certificate #58111
Year Established2005
Employees42
Primary RegulatorFED
Assets and Liabilities
Assets$176.13 million
Loans$97.54 million
Deposits$152.84 million
Equity Capital$17.92 million
Loan Loss Allowance$1.17 million
Unbacked Noncurrent Loans$1.10 million
Real Estate Owned$1.13 million
Historic Data - June 2013
Assets$169.30 million
Equity Capital$16.53 million
Loan Loss Allowance$1.26 million
Unbacked Noncurrent Loans$1.10 million
Real Estate Owned$549,000
Profit Margin - Quarterly
Return on Assets0.77%
Return on Equity7.78%
Interest Income$3.09 million
Rates

Always verify rates and promotions with the bank or credit union. We are not NobleBank & Trust, we are a rate comparison website and can not provide official rates or promotions.

NobleBank & Trust Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.50%-$15kKasasa Saver - Qualifying
0.10%--Kasasa Saver - Non Qualifying
0.05%--Premium Savings
0.05%--Kids Savings

NobleBank & Trust Money Market Rates

DetailsAPYMINMAXPRODUCT
0.15%$150k-Premier MMDA

NobleBank & Trust Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.01%-$15kKasasa Cash - Qualifying
0.10%--Kasasa Cash - Non Qualifying
0.05%--Legacy Checking

NobleBank & Trust CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$1k-5 Year CD
0.65%$1k-4 Year CD
0.55%$1k-3 Year CD
0.35%$1k-24 Month CD
0.35%$1k-30 Month CD
0.30%$1k-18 Month CD
0.20%$1k-12 Month CD
0.05%$1k-6 Month CD
0.05%$1k-9 Month CD
0.03%$1k-3 Month CD
0.03%$1k-4 Month CD
0.03%$1k-5 Month CD

NobleBank & Trust IRA Rates

DetailsAPYMINMAXPRODUCT
1.00%$1k-5 Year IRA
0.65%$1k-4 Year IRA
0.55%$1k-3 Year IRA
0.35%$1k-24 Month IRA
0.35%$1k-30 Month IRA
0.30%$1k-18 Month IRA
0.20%$1k-12 Month IRA
0.05%$1k-6 Month IRA
0.05%$1k-9 Month IRA
0.03%$1k-3 Month IRA
0.03%$1k-4 Month IRA
0.03%$1k-5 Month IRA
Locations


NobleBank & Trust Locations
Piedmont Office Branch100 South Main St.Piedmont, AL 36272
Noblebank & Trust1509 Quintard AvenueAnniston, AL 36207
Oxford Office1836 Highway 78Oxford, AL 36203
Alexandria Office Branch646 Valley Cub Dr.Alexandria, AL 36250