NobleBank & Trust

1509 Quintard Avenue
Anniston, AL 36201


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58111
Date Established 2005
Assets $0.26 billion
Loans $0.16 billion
Deposits $0.24 billion
Capital $0.03 billion

NobleBank & Trust is an FDIC insured institution located in Anniston, AL. It was founded in 2005 and has approximately $0.26 billion in assets. Customers can open an account at one of its 5 branches.

For a more detailed analysis of NobleBank & Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 14, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1 $14,999 Learn MoreShow Less
Money Market
0.15% $15,000 $49,999 Learn MoreShow Less
3 Mo CD
0.50% $1,000 - Learn MoreShow Less
6 Mo CD
0.75% $1,000 - Learn MoreShow Less
12 Mo CD
1.00% $1,000 - Learn MoreShow Less
18 Mo CD
1.25% $1,000 - Learn MoreShow Less
24 Mo CD
1.50% $1,000 - Learn MoreShow Less
30 Mo CD
1.75% $1,000 - Learn MoreShow Less
36 Mo CD
2.00% $1,000 - Learn MoreShow Less
48 Mo CD
2.25% $1,000 - Learn MoreShow Less
60 Mo CD
2.50% $1,000 - Learn MoreShow Less

Fixed IRA
1.50% $1,000 - Learn MoreShow Less
Checking Rates APY MIN FEE
Kasasa Cash 2.01% $0 $0.00 Learn MoreShow Less

Loan Rates - September 14, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for NobleBank & Trust

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.751% 3.750% 0.00 $25 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to NobleBank & Trust
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Financial Details

NobleBank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of NobleBank & Trust. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
NobleBank & Trust U.S. Bank Average
1.74% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, NobleBank & Trust had $307,000 in non-current loans and $181,000 in owned real estate. To cover these potential losses it had $26,037,000 in equity and $1,971,000 in loans loss reserves. That gives it a Texas Ratio of 1.74%.

Return on Equity
NobleBank & Trust U.S. Bank Average
8.37% 9.47%

NobleBank & Trust has a Return on Equity of 8.37% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

NobleBank & Trust U.S. Bank Average
9.9% 12.49%

NobleBank & Trust has a Capitalization of 9.9% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

NobleBank & Trust Balance Sheet Analysis

As of March 31, 2019, NobleBank & Trust had assets of $263,113,000, loans of $162,069,000, and deposits of $236,249,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.06 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.16 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.24 billion
Total deposits $0.24 billion
      Interest-bearing deposits $0.19 billion
      Deposits held in domestic offices $0.24 billion
      % insured (estimated) 71.23%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.24 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in NobleBank & Trust’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Alabama, NobleBank & Trust has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 26.29
Credit Card Loans 0.07
Consumer Auto Loans 1.17
Small Business Loans 0.00
Construction and Development Loans 8.11
Commercial Real Estate 40.17
Commercial and Industrial Loans 18.55
Farm Loans 0.00

Frequently Asked Questions About Noblebank & Trust

Branches and Savings

Is Noblebank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #58111.

Why does Noblebank & Trust pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Noblebank & Trust CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Noblebank & Trust a commercial bank?


Where are Noblebank & Trust locations?

See branch locations nearby.

Is Noblebank & Trust open on Saturdays?

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What time does Noblebank & Trust close?

Are Noblebank & Trust ATMs Open 24/7?

Do Noblebank & Trust ATMs accept cash deposits?

Can Noblebank & Trust customers use other ATMs?

Do Noblebank & Trust branches have notaries?

Will Noblebank & Trust notarize my document?

What address for Noblebank & Trust should I put for incoming ACH transfers?

Will the Noblebank & Trust branch print checks?

Do Noblebank & Trust checks expire?

Does Noblebank & Trust require US citizenship to open account?

Can Noblebank & Trust close my account?

Does Noblebank & Trust Report to credit bureaus?

Does Noblebank & Trust Use Equifax?

What is Noblebank & Trust's ACH Routing Number?

What is Noblebank & Trust's SWIFT code?


Does Noblebank & Trust offer mortgages?

Compare mortgage rates here.

Does Noblebank & Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Noblebank & Trust offer personal loans?

Compare personal loan rates here.

Does Noblebank & Trust offer student loans?

Will Noblebank & Trust cash a check?

Will Noblebank & Trust redeem a savings bond?

Does Noblebank & Trust cash savings bonds?

Will Noblebank & Trust cash money orders?

Can Noblebank & Trust issue a money order?

Does Noblebank & Trust do currency exchange?

Background on The Bank

Who owns Noblebank & Trust?

How long has Noblebank & Trust been around?

Can Noblebank & Trust transfer to other banks?

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Does Noblebank & Trust accept rolled coins?

Will Noblebank & Trust accept loose change?

Where is Noblebank & Trust headquarters?

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