Noblebank & Trust Mortgage Rates, Fees & Info
Anniston, ALLEI: 549300CNDBHD7VKHK806
Tax ID: 20-3340543
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Mortgage Data
Bank Data
Review & Overview
Noblebank & Trust is a smaller bank specializing in Home Purchase loans. Noblebank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Anniston, Birmingham, Crestview, Alexander City, and Talladega among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)Noblebank & Trust has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
94Origination Dollar Volume (All Markets)
$9,720,000Employee count
66Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 57 | $4,115,000 | $72,193 | $0 | 0.00% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 23 | $3,755,000 | $163,261 | $0 | 0.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $0 | 0.00% |
| Outside of Metro Areas | 8 | $480,000 | $60,000 | $0 | 0.00% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 0.00% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $0 | 0.00% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 94 | $9,720,000 | $103,404 | $0 | 0.00% |
For 2019, Noblebank & Trust's most frequently originated type of loan was Conventional, with 94 originations.
Loan Reason
For 2019, Noblebank & Trust's most frequently cited loan purpose was Home Purchase, with 74 originations. The 2nd most popular reason was Cash Out Refi, with 9 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 94 | $9,720,000 | $103,404 | $0 | 0.00% |
For 2019, Noblebank & Trust's most frequently cited loan duration was Other, with 94 originations.
Loan Sizing
2019 saw Noblebank & Trust place emphasis on $100,000 or less loans with 64 originations, totaling $2,730,000 in origination value.
Applicant Income
Noblebank & Trust lent most frequently to those with incomes in the $150k-250k range, with 11 originations. The second most popular income band? $50k or less, with 10 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 94 | $9,720,000 | $103,404 | $0 | 0.00% |
Noblebank & Trust lent most frequently to those with DTI ratios of Exempt%, with 94 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.35%
Noblebank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination90.43%
Noblebank & Trust has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 94 | $9,720,000 | $103,404 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 7 | $245,000 | $35,000 |
| Single Family (1-4 Units):Site-Built | 87 | $9,475,000 | $108,908 |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| NobleBank & Trust | 1836 Highway 78 Oxford, AL 36203 | Full Service B&M | $58,362 |
| NobleBank & Trust | 1509 Quintard Avenue Anniston, AL 36201 | Full Service B&M | $107,668 |
| NobleBank & Trust | 201 N Main Street Piedmont, AL 36272 | Full Service B&M | $25,935 |
| NobleBank & Trust | 361 Summit Blvd Birmingham, AL 35243 | Full Service B&M | $10,638 |
| NobleBank & Trust | 646 Valley Cub Dr. Alexandria, AL 36250 | Full Service B&M | $29,905 |
For 2019, Noblebank & Trust had 5 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $11,940 |
| Net interest income | $10,077 |
| Total noninterest income | $2,778 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $1,114 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $1,664 |
| Pre-tax net operating income | $732 |
| Securities gains (or losses, -) | $730 |
| Income before extraordinary items | $1,315 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $1,315 |
| Minority interest net income | $0 |
| Net income | $1,315 |
| Sale, conversion, retirement of capital stock, net | $29 |
| Net operating income | $658 |
Noblebank & Trust's gross interest income from loans was $11,940,000.
Noblebank & Trust's net interest income from loans was $10,077,000.
Noblebank & Trust's fee based income from loans was $1,114,000.
Noblebank & Trust's net income from loans was $1,315,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $1,863 |
| Provision for credit losses | $2,839 |
| Total noninterest expense | $9,284 |
| Salaries and employee benefits | $5,212 |
| Premises and equipment expense | $948 |
| Additional noninterest expense | $3,124 |
| Applicable income taxes | $147 |
| Net charge-offs | $769 |
| Cash dividends | $1,265 |
Noblebank & Trust's interest expense for loans was $1,863,000.
Noblebank & Trust's payroll and benefits expense were $5,212,000.
Noblebank & Trust's property, plant and equipment expenses $948,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 1.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 1.0% |
| HELOC loans | 0.0% |
| All other family | 1.0% |
| Commercial & industrial loans | 5.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 1.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $240,320 |
| Deposits held in domestic offices | $240,320 |
| Deposits by Individuals, partnerships, and corporations | $226,062 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $14,258 |
| Deposits by Commercial banks and other depository institutions in U.S. | $0 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $111,016 |
| Demand deposits | $43,416 |
| Nontransaction accounts | $129,304 |
| Money market deposit accounts (MMDAs) | $48,513 |
| Other savings deposits (excluding MMDAs) | $19,033 |
| Total time deposits | $61,758 |
| Total time and savings deposits | $196,904 |
| Noninterest-bearing deposits | $43,419 |
| Interest-bearing deposits | $196,901 |
| Retail deposits | $206,541 |
| IRAs and Keogh plan accounts | $7,897 |
| Brokered deposits | $249 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $267,336 |
| Cash & Balances due from depository institutions | $12,519 |
| Interest-bearing balances | $7,729 |
| Total securities | $60,525 |
| Federal funds sold & reverse repurchase | $4,900 |
| Net loans and leases | $173,840 |
| Loan and leases loss allowance | $4,032 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $6,923 |
| Other real estate owned | $235 |
| Goodwill and other intangibles | $0 |
| All other assets | $8,394 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $267,336 |
| Total Liabilities | $241,026 |
| Total deposits | $240,320 |
| Interest-bearing deposits | $196,901 |
| Deposits held in domestic offices | $240,320 |
| % insured (estimated) | $73 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $706 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $173,840 |
| Loan and leases loss allowance | $4,032 |
| Total loans and leases (domestic) | $177,872 |
| All real estate loans | $134,237 |
| Real estate loans in domestic offices | $134,237 |
| Construction and development loans | $14,976 |
| Residential 1-4 family construction | $8,952 |
| Other construction, all land development and other land | $6,024 |
| Loans secured by nonfarm nonresidential properties | $69,821 |
| Nonfarm nonresidential secured by owner-occupied properties | $39,633 |
| Commercial real estate & other non-farm, non-residential | $30,188 |
| Multifamily residential real estate | $2,008 |
| 1-4 family residential loans | $45,510 |
| Farmland loans | $1,922 |
| Loans held in foreign offices | $0 |
| Farm loans | $14 |
| Commercial and industrial loans | $32,966 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $4,749 |
| Credit card loans | $176 |
| Related Plans | $265 |
| Consumer Auto Loans | $2,223 |
| Other loans to individuals | $2,085 |
| All other loans & leases | $6,009 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $202 |
| Loans to depository institutions and acceptances of other banks | $2,697 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $412 |
| Non 1-4 family restructured loans & leases | $412 |
| Total loans and leases (foreign) | $0 |
NobleBank & Trust had $173,840,000 of loans outstanding in 2019. $134,237,000 of loans were in real estate loans. $14,976,000 of loans were in development loans. $2,008,000 of loans were in multifamily mortgage loans. $45,510,000 of loans were in 1-4 family mortgage loans. $14,000 of loans were in farm loans. $176,000 of loans were in credit card loans. $2,223,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 128 | $25,799 | $201,555 |
| Nonfarm, nonresidential loans - <$100k | 35 | $1,506 | $43,029 |
| Nonfarm, nonresidential loans - $100-250k | 38 | $4,750 | $125,000 |
| Nonfarm, nonresidential loans - $250k-1MM | 55 | $19,543 | $355,327 |
| Commercial & Industrial, US addressed loans - <$1MM | 357 | $21,189 | $59,353 |
| Commercial & Industrial, US addressed loans - <$100k | 267 | $6,904 | $25,858 |
| Commercial & Industrial, US addressed loans - $100-250k | 63 | $6,661 | $105,730 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 27 | $7,624 | $282,370 |
| Farmland loans - <$1MM | 18 | $1,922 | $106,778 |
| Farmland loans - <$100k | 9 | $300 | $33,333 |
| Farmland loans - $100-250k | 7 | $1,153 | $164,714 |
| Farmland loans - $250k-1MM | 2 | $469 | $234,500 |
| Agriculture operations loans - <$1MM | 1 | $14 | $14,000 |
| Agriculture operations loans - <$100k | 1 | $14 | $14,000 |