IMHO banning accounts should be a matter of users, not apps.

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Or users explicitly subscribing to ban lists, or a collection of ban lists maybe

Yes, it is a user decision as well.

Would be nice to be able to append a badge to the user profile, depending on a custom filter implemented.

So if I i.e. nostrpleb had a ban filter and I used it for my frontend, it'd append the "Not official" account or similar.

Agreed. The user should be sovereign. It would be convenient to opt-in to certain block lists, though. I would always retain the option to override parts or all of the list, of course.