The Samson Banking Company
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Data as of · sourced from FFIEC call reports. How we update
The Samson Banking Company is an FDIC-insured commercial bank headquartered in Samson, AL, established in 1930 (FDIC certificate 16185), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $124.5M, up 1.9% from Q2 2025, the 78th largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.76% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16185
- Headquarters
- Samson, AL
- Established
- 1930
- Total assets, Q2 2026
- $124.5M
- Assets vs Q2 2025
- +1.9%
- Tier 1 leverage ratio, Q2 2026
- 14.76%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 062105493
- Asset rank in state
- 78th of 93 in Alabama
The Samson Banking Company, based in Samson, Alabama, reported $124 million in assets at June 30, 2026, up 1.9% from a year earlier. It holds commercial real estate loans equal to only 14% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Earnings fell sharply: quarterly net income of $351,000 was 43% below a year earlier. Over the same year, loans shrank 3.6% and deposits grew 3.1%. Profitability lags: it returns 7.9% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
As of June 30, 2026, The Samson Banking Company reported a return on assets of 1.12%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Samson Banking Company is the 78th largest of the 93 banks headquartered in Alabama. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.6% to $124.5M, loans rose 1.2% and deposits rose 3.0%. 1-4 family residential loans made up 59.5% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 11.7%. Its 2 offices in the FDIC Summary of Deposits are in Samson, AL and Geneva, AL; its Samson office books 60% of its branch deposits. Judged on its Q2 2026 call report, The Samson Banking Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2 W Main St, Samson, AL 36477
- County
- Geneva
- Metro Area
- Dothan, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1930
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $106.3M
- Allowance for credit losses
- $555K
- Net charge-offs (YTD)
- $10K
- Average total assets
- $125.5M
- Average total loans
- $40.0M
- Average interest-bearing deposits
- $74.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 26, 1944
- FDIC Cert
- 16185
- Fed RSSD
- 472531
- Website
- http://www.samsonbanking.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Samson Banking Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Samson Banking Company's total assets moved between a low of $110.5M (Q1 2024) and a high of $124.5M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$124.5M total assets against $122.2M; $106.7M total liabilities against $105.5M.
$39.8M net loans and leases against $41.3M; $106.3M total deposits against $103.1M.
$61.5M securities against $66.6M; $21.3M cash and balances due against $12.4M.
$1.5M total interest income against $1.5M; $400K total interest expense against $410K.
$1.1M net interest income against $1.1M.
$184K total noninterest income against $275K; $714K total noninterest expense against $766K.
$7K provision for credit losses against $4K.
$351K net income against $614K.
1.12% return on assets against 2.03%; 3.65% net interest margin against 3.82%.
14.76% tier 1 leverage ratio against 14.60%.
Inside the full The Samson Banking Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Samson Banking Company rankings
Its closest position to the top of a national ranking is 1,226 of 3,606, for efficiency ratio; its furthest is 3,612 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.12% (Q2 2026) to 2.14% (Q4 2024) and its net interest margin ran from 3.62% (Q1 2026) to 3.83% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.76% | 1.12% | 0.00% | 0.00% | 3.65% |
| Q1 2026 | 15.08% | 1.49% | 0.00% | 0.00% | 3.62% |
| Q4 2025 | 15.28% | 1.86% | 0.07% | 0.16% | 3.83% |
| Q3 2025 | 14.75% | 1.58% | 0.00% | 0.00% | 3.76% |
| Q2 2025 | 14.60% | 2.03% | 0.00% | 0.00% | 3.82% |
| Q1 2025 | 14.63% | 1.67% | 0.05% | 0.13% | 3.66% |
| Q4 2024 | 14.91% | 2.14% | 0.06% | 0.15% | 3.71% |
| Q3 2024 | 15.03% | 1.25% | 0.41% | 1.08% | 3.66% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Samson Banking Company, Inc. | Samson , AL | 36477 | $64.1M |
| Geneva Branch | Geneva , AL | 36340 | $42.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in AL, rank 106 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 88 applications, 72 loans originated, $6.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Samson Banking Company
What are The Samson Banking Company's total assets?
As of the Q2 2026 filing, The Samson Banking Company reported total assets of $124.5 million in its FFIEC call report.
Where is The Samson Banking Company headquartered?
It is headquartered in Samson, AL, United States.
When was The Samson Banking Company founded?
It was established in 1930, per the FDIC institution directory.
Is The Samson Banking Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16185). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Samson Banking Company?
The Samson Banking Company's primary federal regulator is the FDIC.
How many branches does The Samson Banking Company operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Samson Banking Company's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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