NobleBank & Trust: how it compares with its peers
Against 35 AL banks with half to twice its assets, NobleBank & Trust's strongest measure in Q2 2026 is return on assets (1.74% vs. a 1.11% peer median). Its weakest relative measure is assets per employee ($6.5M vs. $6.5M).
| Measure | NobleBank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.74% | 1.11% | Top third Ahead of 77% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.40% | 3.93% | Top third Ahead of 71% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.61% | 62.09% | Top third Ahead of 71% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $6.5M | Middle third Ahead of 51% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.37% | 70.64% | Context |
What it means for lending operations
Its efficiency ratio of 55.61% is better than the 62.09% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Jackson Bank, Inc. Stevenson, AL · $444M
- The Bank of Vernon Vernon, AL · $445M
- Cullman Savings Bank Cullman, AL · $457M
- Robertson Banking Company Demopolis, AL · $463M
- State Bank & Trust Winfield, AL · $413M
- First Citizens Bank Luverne, AL · $403M
Questions about NobleBank & Trust
How big is NobleBank & Trust?
NobleBank & Trust, established in 2005, is headquartered in Anniston, AL. It reported $444M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is NobleBank & Trust's return on assets?
1.74% annualized in Q2 2026, against a 1.11% median for 35 AL banks with half to twice its assets, ahead of 77% of them.
What is NobleBank & Trust's efficiency ratio?
55.61% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 62.09%, and lower is better.
Is NobleBank & Trust growing its loans?
Net loans grew 2.4% over the year to Q2 2026, while deposits shrank 0.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Alabama bank ranked.