Samson, AL · Cert 16185
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Dothan, AL · 2026 SOD (annual) · 2.3% share · #16 of 18 inst. · $0.1B of $4.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.66% | 1.34% | 1.59% | 1.28% | 0.96% | -70 bps | |
| Return on Equity | 12.08% | 9.59% | 10.78% | 8.56% | 6.66% | -542 bps | |
| Net Interest Margin | 3.72% | 3.67% | 3.74% | 3.54% | 3.57% | -15 bps | |
| Efficiency Ratio | 54.64% | 59.86% | 54.37% | 54.65% | 54.75% | +12 bps | |
| Non-Interest Burden | 1.62% | 2.00% | 1.81% | 1.61% | 1.69% | +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 / Loans | 0.00% | 0.00% | 0.07% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | -0.01% | 0.03% | 0.07% | +3 bps | |
| Allowance / Loans | 1.53% | 1.52% | 1.43% | 1.39% | 1.37% | -15 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 19.5x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.60% | 14.75% | 15.28% | 15.08% | 14.76% | +16 bps | |
| Total Risk-Based Capital | 14.60% | 14.75% | 15.28% | 15.08% | 14.76% | +16 bps | |
| Equity / Assets | 13.68% | 14.37% | 15.22% | 14.62% | 14.25% | +58 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 40.64% | 40.15% | 40.94% | 38.71% | 38.01% | -262 bps | |
| Liquid Assets / Assets | 8.81% | 6.59% | 3.46% | 5.09% | 15.65% | +684 bps | |
| CRE / Total Capital | n/a | 26.34% | 25.91% | 24.70% | n/a | n/a | |