Noble Bank & Trust

Noble Bank & Trust Locations
1509 Quintard Avenue
Anniston, AL 36201
256-741-1800
www.noblebank.com

Noble Bank & Trust is headquartered in Anniston and is the 66th largest bank in the state of Alabama. It is also the 3,524th largest bank in the nation. It was established in 2005 and as of September of 2011, it had grown to 38 employees at 4 locations. Noble Bank & Trust has a 4-star health rating.

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4.05% Reward Checking Account at an Alabama Bank (Noble) - 2/18/2008

Update 4/04/09: The top yield has fallen to 4.05% APY.Noble Bank & Trust is offering a reward checking account called Noble Horizons which pays 4.05% APY on balances up to $25,000 (1.01% for above) and refunds ATM fees if the following monthly...



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See Rates for: Checking | Savings | Money Market | CD | IRA

Noble Bank & Trust Checking Account Rates

ApyMinMaxProduct
0.80%-$40kKasasa Cash
0.10%--Legacy Checking

Noble Bank & Trust Savings Account Rates

ApyMinMaxProduct
0.50%-$40kKasasa Saver
0.10%--Premium Savings
0.10%--Kids Savings

Noble Bank & Trust Money Market Rates

ApyMinMaxProduct
0.50%$150k-Premier MMDA

Noble Bank & Trust CD Rates

ApyMinMaxProduct
1.65%--5 Year CD
1.25%--4 Year CD
1.00%--3 Year CD
0.85%--30 Month CD
0.75%--24 Month CD
0.55%--18 Month CD
0.45%--12 Month CD
0.20%--5 Month CD
0.20%--6 Month CD
0.20%--9 Month CD
0.10%--3 Month CD
0.10%--4 Month CD

Noble Bank & Trust IRA Rates

ApyMinMaxProduct
1.65%--5 Year IRA
1.65%--5 Year Roth IRA
1.25%--4 Year IRA
1.25%--4 Year Roth IRA
1.00%--3 Year IRA
1.00%--3 Year Roth IRA
0.85%--30 Month IRA
0.85%--30 Month Roth IRA
0.75%--24 Month IRA
0.75%--24 Month Roth IRA
0.55%--18 Month IRA
0.55%--18 Month Roth IRA
0.45%--12 Month IRA
0.45%--12 Month Roth IRA
0.20%--5 Month IRA
0.20%--6 Month IRA
0.20%--9 Month IRA
0.20%--5 Month Roth IRA
0.20%--6 Month Roth IRA
0.20%--9 Month Roth IRA
0.10%--3 Month IRA
0.10%--4 Month IRA
0.10%--3 Month Roth IRA
0.10%--4 Month Roth IRA

Rates updated: 2/10/2012

Data for Q3 2011


Institution Statistics


Noble Bank & Trust, N.A.
FDIC Certificate #58111
BankRate ReportView
Year Established2005
Employees38
Primary RegulatorOCC

Assets and Liabilities

Assets$170.40 million
Loans$86.68 million
Deposits$148.29 million
Equity Capital$16.56 million
Loan Loss Allowance$1.41 million
Unbacked Noncurrent Loans$1.09 million
Real Estate Owned$740,000

Historic Data - September 2010

Assets$180.74 million
Equity Capital$14.81 million
Loan Loss Allowance$1.43 million
Unbacked Noncurrent Loans$1.03 million
Real Estate Owned$1.44 million

Profit Margin - Quarterly

Net Interest Margin3.84%
Return on Assets0.48%
Return on Equity5.38%
Interest Income$5.35 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Noble Bank & Trust had $1.83 million in non-current loans and owned real-estate with $17.97 million in equity and loan loss allowances on hand to cover it. This gives Noble Bank & Trust a Texas Ratio of 10.17% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Noble Bank & Trust decreased slightly from 15.18% as of September 30, 2010 to 10.17% as of September 30, 2011, resulting in a positive change of 32.99%.This indicates that the balance sheet and financial strength for Noble Bank & Trust has improved slightly in recent periods.
Deposit Growth1
In the past year, Noble Bank & Trust has decreased its total deposits by -$12.26 million, resulting in -7.64% 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 Noble Bank & Trust has shown is poor.
Capitalization4
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. Noble Bank & Trust has $170.4 million in assets with $17.97 million in equity, resulting in a capitalization level of 10.54%, which is above average.
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