BlastPoint's Banking Scorecard

The Samson Banking Company, Inc.

$100M-$1B Specialty: Mortgage AL FDIC cert 16185

Designations: ✓ CDFI-certified

Samson, AL

2 branches across AL

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

The Samson Banking Company, Inc. has 4 strengths but faces 2 concerns

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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.25% above tier average
+ Efficiency Ratio 10.64% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 54.8% in tier
- Net Interest Margin 0.21% below tier average

Get updates when The Samson Banking Company, Inc. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$121.4M +2.0% YoY +2.8% QoQ	-$264.7M	$386.1M +0.5% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	Bottom 6.3% in tier
Total Loans ?	$39.4M -5.4% YoY -2.0% QoQ	-$216.3M	$255.7M +1.1% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	Bottom 1.4% in tier
Total Deposits ?	$103.2M +1.1% YoY +3.6% QoQ	-$224.8M	$328.0M +0.1% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	Bottom 6.8% in tier
Return on Assets ?	1.52% -10.1% YoY -15.6% QoQ	+0.25%	1.27% +12.9% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	69%
Net Interest Margin ?	3.72% -0.4% YoY -2.8% QoQ	-0.21%	3.93% +6.0% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	42%
Efficiency Ratio ?	54.65% -4.7% YoY -3.3% QoQ	-10.64%	65.29% -4.5% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	74%
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.89%	0.89% +18.8% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	38.17% -6.4% YoY -5.4% QoQ	-38.47%	76.64% +0.8% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	Top 3.7% in tier
Non-Interest-Bearing Deposit Share ?	28.00% +0.2% YoY +3.9% QoQ	+5.98%	22.02% -1.0% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	76%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	15.08% +3.1% YoY -1.3% QoQ	-0.75%	15.83% +1.5% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.18% +31.5% YoY -70.9% QoQ	-0.10%	0.28% +9.3% YoY	0.16% -16.3% YoY	0.32% +4.1% YoY	82%

Get Full Access to The Samson Banking Company, Inc.

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline

#168 of 305 • Bottom 54.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.52%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

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 (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 38.17%

Peer Median: 76.64%

#99 of 2664 Top 3.7% in $100M-$1B

479

Non-Interest Income / Assets

revenue_mix

Value: 0.18%

Peer Median: 0.28%

#479 of 2664 Top 17.9% in $100M-$1B

635

Non-Interest-Bearing Deposit Share

funding

Value: 28.00%

Peer Median: 22.02%

#635 of 2664 Top 23.8% in $100M-$1B

Top Weaknesses (3 metrics)

2627

Total Loans

size

Value: $39.38M

Peer Median: $255.72M

#2627 of 2664 Bottom 1.4% in $100M-$1B

2496

Total Assets

size

Value: $121.36M

Peer Median: $386.08M

#2496 of 2664 Bottom 6.3% in $100M-$1B

2483

Total Deposits

size

Value: $103.17M

Peer Median: $327.97M

#2483 of 2664 Bottom 6.8% in $100M-$1B