Samson Banking Company, The
Samson, AL · Cert 16185 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 2 branches
Q2 2026
$124.5MAssets
$40.4MLoans
$106.3MDeposits
$17.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: net charge-offs / loans trails 70% of banks under $1B in assets operating in a single state (rank 522 of 743).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.09%
Rank 357 of 746
Net Interest Margin
3.51%
Rank 446 of 746
Efficiency Ratio
54.70%
Rank 177 of 746
Equity / Assets
14.25%
Rank 128 of 746
Non-interest income vs. expense
Unfavorable gap of $2.0M · efficiency ratio beats 76% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.09% | 0.72% | 1.06% | 1.45% | Beats 52% | 357 / 746 | | |
| Return on Equity | 7.63% | 6.74% | 10.51% | 13.63% | Beats 31% | 514 / 746 | | |
| Net Interest Margin | 3.51% | 3.17% | 3.68% | 4.16% | Beats 40% | 446 / 746 | | |
| Efficiency Ratio | 54.70% | 55.74% | 64.58% | 75.47% | Beats 76% | 177 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 30% | 522 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.76% | 11.55% | 13.75% | 17.60% | Beats 59% | 308 / 746 | | |
| Total Risk-Based Capital Ratio | 14.76% | 11.71% | 14.33% | 18.43% | Beats 53% | 348 / 746 | | |
| Equity / Assets | 14.25% | 8.90% | 10.51% | 13.06% | Beats 83% | 128 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 38.01% | 61.31% | 78.27% | 90.78% | 4th pctl | 715 / 746 | | |
| Loans / Assets | 32.46% | 53.60% | 66.97% | 76.08% | 4th pctl | 717 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |