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Samson Banking Company, The

Samson, AL · Cert 16185

State charter, non-member · FDIC · 2 branches

Q2 2026

$124.5MAssets
$40.4MLoans
$106.3MDeposits
$17.7MEquity
Loan mix
83%RE $32.9M7%C&I $3.0M10%Consumer $4.0MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $76.2M28%Noninterest $30.1MQ2 2025Q2 2026

NIM

4.75%Q2 ’244.96%Q2 ’254.79%Q2 ’26+6%-3%

Non-interest income vs. expense

2.50%Q2 ’242.43%Q2 ’252.27%Q2 ’26+42%-4%

Market Position · Dothan, AL · 2026 SOD (annual) · 2.3% share · #16 of 18 inst. · $0.1B of $4.7B

Executive Summary

  • Earnings: ROA of 1.12%, down 42 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 14.76%, up 16 bps from a year ago.
  • Funding: loans stand at 38.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.12%-42 bps YoY

Net Interest Margin (YTD, annualized)

3.51%-11 bps YoY

Efficiency Ratio (YTD, annualized)

54.70%-119 bps YoY

Tier 1 Leverage Ratio

14.76%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.54%1.47%1.51%1.28%1.12%-42 bps
Return on Equity11.31%10.70%10.76%8.56%7.60%-371 bps
Net Interest Margin3.62%3.61%3.68%3.54%3.51%-11 bps
Efficiency Ratio55.89%57.18%56.49%54.65%54.70%-119 bps
Non-Interest Burden1.70%1.79%1.82%1.61%1.63%-7 bps
Growth
Asset Growth (YoY)10.18%8.52%1.98%2.03%1.85%-833 bps
Loan Growth (YoY)1.36%-3.04%-1.99%-5.47%-3.57%-493 bps
Deposit Growth (YoY)7.97%7.90%-0.40%1.10%3.08%-489 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.07%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.03%0.05%+4 bps
Allowance / Loans1.53%1.52%1.43%1.39%1.37%-15 bps
Allowance Coverage of NPLsn/an/a19.5xn/an/an/a
Capital
Tier 1 Leverage Ratio14.60%14.75%15.28%15.08%14.76%+16 bps
Total Risk-Based Capital14.60%14.75%15.28%15.08%14.76%+16 bps
Equity / Assets13.68%14.37%15.22%14.62%14.25%+58 bps
Liquidity & Funding
Loans / Deposits40.64%40.15%40.94%38.71%38.01%-262 bps
Liquid Assets / Assets8.81%6.59%3.46%5.09%15.65%+684 bps
CRE / Total Capitaln/a26.34%25.91%24.70%n/an/a