BlastPoint's Banking Scorecard

NobleBank & Trust

$100M-$1B Specialty: Commercial AL FDIC cert 58111

Anniston, AL

6 branches across AL

2664 banks in the $100M-$1B peer group nationally 64 in AL

NobleBank & Trust demonstrates 5 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 17.6% in tier
+ Profitability Leader: Top 34.8% in tier
+ Revenue Diversifier: Top 48.0% in tier
+ Net Interest Margin 0.34% above tier average
+ Efficiency Ratio 9.70% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$439.8M +3.5% YoY +0.2% QoQ	+$53.7M	$386.1M +0.5% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	66%
Total Loans ?	$261.1M +2.5% YoY +0.7% QoQ	+$5.4M	$255.7M +1.1% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	61%
Total Deposits ?	$399.5M +1.8% YoY +0.3% QoQ	+$71.5M	$328.0M +0.1% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	70%
Return on Assets ?	1.73% +49.2% YoY +16.3% QoQ	+0.46%	1.27% +12.9% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	79%
Net Interest Margin ?	4.27% +1.9% YoY -1.4% QoQ	+0.34%	3.93% +6.0% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	72%
Efficiency Ratio ?	55.59% -4.3% YoY -2.2% QoQ	-9.70%	65.29% -4.5% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	72%
Delinquency Rate ?	0.07% -32.4% YoY -36.4% QoQ	-0.81%	0.89% +18.8% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	77%
Loan-to-Deposit Ratio ?	65.37% +0.7% YoY +0.4% QoQ	-11.27%	76.64% +0.8% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	27.41% +2.5% YoY +1.6% QoQ	+5.39%	22.02% -1.0% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	75%
Nonperforming Asset Ratio ?	0.04% -33.1% YoY -36.1% QoQ	-0.59%	0.64% +19.7% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	79%
Tier 1 Capital Ratio ?	11.28% +6.3% YoY +5.7% QoQ	-4.55%	15.83% +1.5% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	26%
Non-Interest Income / Assets ?	0.19% +2.9% YoY -74.7% QoQ	-0.09%	0.28% +9.3% YoY	0.16% -16.3% YoY	0.32% +4.1% YoY	84%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Credit Quality Leader

growth

#118 of 664 • Top 17.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.07%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ

Profitability Leader

growth

#233 of 666 • Top 34.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.73%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Revenue Diversifier

growth

#321 of 666 • Top 48.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.19%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.73%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

431

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#431 of 2664 Top 16.1% in $100M-$1B

557

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#557 of 2664 Top 20.9% in $100M-$1B

564

Return on Assets

profitability

Value: 1.73%

Peer Median: 1.27%

#564 of 2664 Top 21.1% in $100M-$1B

617

Delinquency Rate

credit_quality

Value: 0.07%

Peer Median: 0.89%

#617 of 2654 Top 23.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available