Reviewed by kdm0030 | January 13, 2023
Disappointed! Wellsfargo is not great but better than Noble.
2024 Overview
General Bank Information
NobleBank & Trust is an FDIC insured institution located in Anniston, AL. It was founded in 2005 and has approximately $0.4 billion in assets. Customers can open an account at one of its 5 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 58111 |
| Date Established | 2005 |
| Assets | $ 400.85 million |
| Loans | $ 251.11 million |
| Deposits | $ 371.07 million |
| Capital | $ 25.72 million |
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 - November 24, 2024
Your Current Location: Ohio, OH 43085
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| NOBLE INTEREST ACCOUNT | 1.50% | $0 | $0.00 | Learn More |
Loan Rates - November 24, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Monthly Payment |
Learn More |
|---|---|---|---|---|
NMLS ID: 1025894 |
6.956% |
6.875% 0.63 points $2,642 fees |
$2,103 | Learn More |
NMLS ID: 1907 |
7.080% |
7.000% 0.88 points $2,602 fees |
$2,129 | Learn More |
NMLS ID: 3030 |
7.225% |
7.125% 1.00 points $3,200 fees |
$2,156 | Learn More |
NMLS ID: 1907 |
points fees |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR
7.240 %
After Intro: 7.240 % |
$0 |
Learn More
More Info |
Note to NobleBank & Trust
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Branches
NobleBank & Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
NobleBank & Trust Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 439.64 | A | View Lobby Hours | |
| 454.68 | B | View Lobby Hours | |
| 460.23 | C | View Lobby Hours | |
| 465.57 | D | View Lobby Hours | |
| 491.29 | E | View Lobby Hours |
Climate Policy and Initiatives
NobleBank & Trust is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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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 BestCashCow.com 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 |
|---|---|
| 5.73% | 4.48% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 June 30, 2024, NobleBank & Trust had $1,669,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $25,715,000 in equity and $3,410,000 in loans loss reserves. That gives it a Texas Ratio of 5.73%.
Return on Equity
| NobleBank & Trust | U.S. Bank Average |
|---|---|
| 18.88% | 10.46% |
NobleBank & Trust has a Return on Equity of 18.88% versus the BestCashCow average of 10.46%. 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.
Capitalization
| NobleBank & Trust | U.S. Bank Average |
|---|---|
| 6.42% | 10.84% |
NobleBank & Trust has a Capitalization of 6.42% versus the BestCashCow average of 10.84. 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 June 30, 2024, NobleBank & Trust had assets of $400,851,000, loans of $251,112,000, and deposits of $371,068,000. 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
June 30, 2024| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 13.77 million |
| Interest-bearing balances | $ 6.16 million |
| Total securities | $ 104.96 million |
| Federal funds sold and reverse repurchase | $ 4.90 million |
| Net loans and leases | $ 251.11 million |
| Loan loss allowance | $ 3.41 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 16.83 million |
| Total Assets | $ 375.14 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 371.07 million |
| Interest-bearing deposits | $ 272.51 million |
| Deposits held in domestic offices | $ 371.07 million |
| % insured (estimated) | 70.56% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 1.32 million |
| Total Liabilities | $ 375.14 million |
| Shareholders’ Equity | $ 25.72 million |
Summary Income Statement
June 30, 2024| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 10.25 million |
| Total Interest Expense | $ 2.61 million |
| Net interest income | $ 7.64 million |
| Provision for loan and lease losses | $ 0.69 million |
| Total non interest income | $ 1.36 million |
| Total non interest expense | $ 5.44 million |
| Pre-tax Net Operating Income | $ 2.31 million |
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.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 18.74 | ✓ | ||
| Multifamily Mortgages |
2.14 | ✓ | ||
| Credit Card Loans | 0.17 | ✓ | ||
| Consumer Auto Loans | 1.25 | ✓ | ||
| Small Business Loans | 15.49 | ✓ | ||
| Construction and Development Loans | 9.52 | ✓ | ||
| Commercial Real Estate | 36.62 | ✓ | ||
| Commercial and Industrial Loans | 17.97 | ✓ | ||
| Farm Loans | 0.01 | ✓ | ||
Customer Reviews for NobleBank & Trust
kdm0030
January 13, 2023
Disappointed! Wellsfargo is not great but better than Noble.
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