Noblebank&Trust (FDIC #58111): Bank Stress & Real-Estate Credit Exposure

Noblebank&Trust (FDIC Cert #58111): bank stress 61/100, elevated, STABLE over 7 days; parent NOBLE BANCSHARES INC.

Noblebank&Trust (#58111) lends in 3 counties across 1 state; Noblebank&Trust (#58111) reaches 83 ZIP codes: Alabama 3 counties, 83 ZIPs.

Noblebank&Trust (#58111) largest markets: Jefferson County, AL (64 branches, 64 ZIPs) (#58111), Calhoun County, AL (56 branches, 14 ZIPs) (#58111), Cleburne County, AL (7 branches, 7 ZIPs) (#58111).

Noblebank&Trust (#58111) reports $444.0 million in total assets; Noblebank&Trust (#58111) equity $37.7 million (8.5% of Noblebank&Trust (#58111) assets); Noblebank&Trust (#58111) domestic deposits $396.6 million; Noblebank&Trust (#58111) net income $3.8 million; Noblebank&Trust (#58111) return on assets 1.74%; Noblebank&Trust (#58111) return on equity 21.16%; Noblebank&Trust (#58111) net interest income $8.9 million; Noblebank&Trust (#58111) call report June 30, 2026.

Noblebank&Trust (#58111) noncurrent real-estate loans 0.01% of its book; Noblebank&Trust (#58111) net charge-offs on real estate 0.08%.

Noblebank&Trust (#58111) net interest margin 4.40% against an eight-quarter Noblebank&Trust (#58111) average of 4.24% (Noblebank&Trust (#58111) compression -0.15 points); Noblebank&Trust (#58111) real-estate loans 1.2% of equity; Noblebank&Trust (#58111) rate-exposure score 40/100, Noblebank&Trust (#58111) fixed-rate trap 40/100; Noblebank&Trust (#58111) risk type credit driven; Noblebank&Trust (#58111) rate regime rates elevated, Noblebank&Trust (#58111) snapshot October 19, 2026.

Noblebank&Trust (#58111) stress score moved from 61.4 on June 22, 2026 to 61.2 on October 20, 2026; Noblebank&Trust (#58111) ranged 61.2 to 61.4 over 117 snapshots.

Noblebank&Trust (#58111) alerts: 3 counties; top Noblebank&Trust (#58111) alert scores: Birmingham County, AL 22 (low); Heflin County, AL 22 (low); Piedmont County, AL 22 (low).