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The Samson Banking Company, Inc.

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

Designations: ✓ CDFI-certified

Samson, AL

2 branches across AL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
  • Deposits +3.1% year over year ($106.3M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.33%.
  • Efficiency ratio 54.70% vs a 64.48% peer average.
  • Loan-to-deposit ratio 37.49% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 63 in AL
View $100M-$1B leaderboard (AL) →

The Samson Banking Company, Inc. has 3 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

  • + Credit Quality Leader: Top 31.4% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 9.78% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 10.1% in tier
  • - Net Interest Margin 0.25% below tier average
Get updates when The Samson Banking Company, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $124.5M
+1.9% YoY +2.6% QoQ
-$262.1M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
Bottom 7.0% in tier
Total Loans ? $39.8M
-3.4% YoY +1.2% QoQ
-$218.5M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
Bottom 1.4% in tier
Total Deposits ? $106.3M
+3.1% YoY +3.0% QoQ
-$220.5M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
Bottom 7.5% in tier
Return on Assets ? 1.33%
-28.8% YoY -12.7% QoQ
+0.01% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
55%
Net Interest Margin ? 3.74%
-1.5% YoY +0.5% QoQ
-0.25% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
39%
Efficiency Ratio ? 54.70%
-2.1% YoY +0.1% QoQ
-9.78% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
73%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 37.49%
-6.3% YoY -1.8% QoQ
-40.46% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
Top 3.3% in tier
Non-Interest-Bearing Deposit Share ? 28.32%
-2.8% YoY +1.1% QoQ
+6.29% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
77%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 14.76%
+1.1% YoY -2.1% QoQ
-1.15% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
64%
Non-Interest Income / Assets ? 0.32%
-9.6% YoY +79.1% QoQ
-0.24% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
76%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Noninterest-Bearing 28.3%
-0.8pp YoY
+0.3pp QoQ
 +6.2pp 22.1% 24.0% 22.2% 77%
Brokered Deposits n/a n/a 7.9% 5.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 7.6%
-1.8pp YoY
0.0pp QoQ
 -4.0pp 11.6% 16.9% 12.5% 37%
CRE 11.7%
+0.6pp YoY
+0.1pp QoQ
 -27.9pp 39.5% 43.5% 41.4% 6%
1-4 Family 60.3%
+3.4pp YoY
+0.2pp QoQ
 +27.7pp 32.6% 30.6% 31.3% 90%
Consumer 9.6%
-3.2pp YoY
-0.5pp QoQ
 +5.5pp 4.1% 5.7% 5.0% 91%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 14.8%
+0.2pp YoY
-0.3pp QoQ
 +2.6pp 12.2% 13.2% 12.6% 86%
Total Capital Ratio n/a n/a 19.9% 16.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 22
-1 (-4.3%) YoY
+2 (+10.0%) QoQ
 -37 58 304 482 14%
Assets per Employee ($) $5.7M
+6.5% YoY
-6.8% QoQ
 -$1.9M $7.5M $6.9M $8.8M 26%
Branch Count 2
0 YoY
0 QoQ
 -3 4 20 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.2% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 7.50x 20.23x n/a
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 67%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 9.1%
-4.7pp YoY
-1.2pp QoQ
 -3.1pp 12.2% 10.0% 11.6% 31%
Cost of Funds (YTD) 1.4%
0.0pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.7% 1.7% 28%
Net Income ($, YTD) $807,000
-27.4% YoY
— QoQ
 -$1.7M $2.6M $17.2M $40.4M 20%

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 (1)

Credit Quality Leader

growth
#208 of 659 • Top 31.4% in tier

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

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Margin Compression

decline
#32 of 307 • Bottom 10.1% 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: 1.33%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
89
Loan-to-Deposit Ratio
liquidity
Value: 37.49%
Peer Median: 77.95%
#89 of 2643 Top 3.3% in $100M-$1B
615
Non-Interest-Bearing Deposit Share
funding
Value: 28.32%
Peer Median: 22.03%
#615 of 2643 Top 23.2% in $100M-$1B
633
Non-Interest Income / Assets
revenue_mix
Value: 0.32%
Peer Median: 0.57%
#633 of 2643 Top 23.9% in $100M-$1B

Top Weaknesses (3 metrics)

2608
Total Loans
size
Value: $39.84M
Peer Median: $258.35M
#2608 of 2643 Bottom 1.4% in $100M-$1B
2460
Total Assets
size
Value: $124.46M
Peer Median: $386.57M
#2460 of 2643 Bottom 7.0% in $100M-$1B
2447
Total Deposits
size
Value: $106.28M
Peer Median: $326.73M
#2447 of 2643 Bottom 7.5% in $100M-$1B
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