BlastPoint's Banking Scorecard
The Samson Banking Company, Inc.
Micro
Specialty: Mortgage
AL
FDIC cert 16185
Designations: ✓ Community bank
Samson, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
The Samson Banking Company, Inc. demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 34.17% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$118.1M
+2.0% YoY
-2.8% QoQ
|
-$99.4M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$40.2M
-1.4% YoY
-1.7% QoQ
|
-$99.0M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
15% |
| Total Deposits ? |
$99.6M
-0.4% YoY
-3.7% QoQ
|
-$84.1M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
1.81%
-3.2% YoY
+1.7% QoQ
|
+0.72% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
Top 15% in tier |
| Net Interest Margin ? |
3.83%
+5.4% YoY
+0.8% QoQ
|
-0.02% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
56.49%
+5.1% YoY
-1.2% QoQ
|
-11.24% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
0.07%
+26.8% YoY
|
-0.57% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
40.36%
-1.1% YoY
+2.0% QoQ
|
-34.17% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.95%
-9.1% YoY
-9.3% QoQ
|
+4.56% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.03%
+22.6% YoY
|
-0.43% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.62%
-43.2% YoY
+28.6% QoQ
|
+0.06% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
40.36%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Loan-to-Deposit Ratio
Current: 40.36% · Tier avg: 74.53%
85
85th pctile
Return on Assets
Current: 1.81% · Tier avg: 1.08%
78
78th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.56%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
77
77th pctile
Efficiency Ratio
Current: 56.49% · Tier avg: 67.73%
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.95% · Tier avg: 22.39%
51
51th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
28
28th pctile
Total Deposits
Current: $99.6M · Tier avg: $183.7M
28
28th pctile
Total Assets
Current: $118.1M · Tier avg: $217.5M
15
15th pctile
Total Loans
Current: $40.2M · Tier avg: $139.2M
Top Weaknesses
15
15th pctile
Total Loans
Current: $40.2M · Tier avg: $139.2M
28
28th pctile
Total Assets
Current: $118.1M · Tier avg: $217.5M
28
28th pctile
Total Deposits
Current: $99.6M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.85%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.95% · Tier avg: 22.39%
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
77
77th pctile
Efficiency Ratio
Current: 56.49% · Tier avg: 67.73%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
78
78th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.56%
85
85th pctile
Return on Assets
Current: 1.81% · Tier avg: 1.08%
94
94th pctile
Loan-to-Deposit Ratio
Current: 40.36% · Tier avg: 74.53%