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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.47% | 1.55% | 1.41% | 1.54% | 1.47% | 1.51% | 1.28% | 1.12% | -42 bps | |
| Return on Equity | 11.60% | 12.12% | 10.45% | 11.31% | 10.70% | 10.76% | 8.56% | 7.60% | -371 bps | |
| Net Interest Margin | 3.47% | 3.44% | 3.58% | 3.62% | 3.61% | 3.68% | 3.54% | 3.51% | -11 bps | |
| Efficiency Ratio | 55.60% | 53.77% | 57.33% | 55.89% | 57.18% | 56.49% | 54.65% | 54.70% | -119 bps | |
| Non-Interest Burden | 1.45% | 1.34% | 1.82% | 1.70% | 1.79% | 1.82% | 1.61% | 1.63% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.55% | 3.76% | 7.66% | 10.18% | 8.52% | 1.98% | 2.03% | 1.85% | -833 bps | |
| Loan Growth (YoY) | 7.69% | 2.37% | 4.59% | 1.36% | -3.04% | -1.99% | -5.47% | -3.57% | -493 bps | |
| Deposit Growth (YoY) | -3.45% | 2.44% | 7.96% | 7.97% | 7.90% | -0.40% | 1.10% | 3.08% | -489 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.41% | 0.06% | 0.05% | 0.00% | 0.00% | 0.07% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.11% | -0.03% | 0.00% | 0.00% | 0.00% | 0.03% | 0.05% | +4 bps | |
| Allowance / Loans | 1.92% | 1.98% | 1.51% | 1.53% | 1.52% | 1.43% | 1.39% | 1.37% | -15 bps | |
| Allowance Coverage of NPLs | 4.7x | 34.3x | 29.1x | n/a | n/a | 19.5x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.03% | 14.91% | 14.63% | 14.60% | 14.75% | 15.28% | 15.08% | 14.76% | +16 bps | |
| Total Risk-Based Capital | 15.03% | 14.91% | 14.63% | 14.60% | 14.75% | 15.28% | 15.08% | 14.76% | +16 bps | |
| Equity / Assets | 13.96% | 13.30% | 13.75% | 13.68% | 14.37% | 15.22% | 14.62% | 14.25% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 44.69% | 41.61% | 41.40% | 40.64% | 40.15% | 40.94% | 38.71% | 38.01% | -262 bps | |
| Liquid Assets / Assets | 5.02% | 6.62% | 6.48% | 8.81% | 6.59% | 3.46% | 5.09% | 15.65% | +684 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 26.34% | 25.91% | 24.70% | n/a | n/a | |