The Samson Banking Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 0.92 percentage points higher than in Q1 2026, at 14.21%. The Samson Banking Company has the 6th lowest loan-to-deposit ratio of the 93 banks headquartered in Alabama, at 38.01% as of Q2 2026. The Samson Banking Company's loan-to-deposit ratio of 38.01% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 42.82 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $40.4M |
| Net loans and leases | $39.8M |
| Loans held for sale | $0 |
| Loans to total assets | 32.46% |
| Loan-to-deposit ratio | 38.01% |
| Net loans to equity capital | 2.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.80% |
| Multifamily (5+ residential) | 0.96% |
| Commercial and industrial | 7.48% |
| Consumer | 9.44% |
| Credit cards | 0.00% |
| Farm | 11.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 14.21% |
| Construction concentration (Tier 1 capital + allowance) | 12.19% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.67% |
| Interest income on loans | $767K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $39.8M | $99.3M | 5.70% | 11.97% | 14.87% |
| Q4 2023 | $40.6M | $97.6M | 7.46% | 10.84% | 14.27% |
| Q1 2024 | $40.4M | $94.5M | 7.48% | 10.82% | 14.15% |
| Q2 2024 | $41.3M | $95.5M | 6.65% | 11.23% | 14.14% |
| Q3 2024 | $42.8M | $95.8M | 6.24% | 11.67% | 13.57% |
| Q4 2024 | $41.6M | $100.0M | 6.13% | 10.67% | 13.72% |
| Q1 2025 | $42.2M | $102.0M | 5.75% | 10.54% | 13.22% |
| Q2 2025 | $41.9M | $103.1M | 5.24% | 9.26% | 12.58% |
| Q3 2025 | $41.5M | $103.4M | 5.17% | 7.75% | 12.06% |
| Q4 2025 | $40.8M | $99.6M | 5.24% | 7.34% | 11.35% |
| Q1 2026 | $39.9M | $103.2M | 5.08% | 7.46% | 9.93% |
| Q2 2026 | $40.4M | $106.3M | 4.80% | 7.48% | 9.44% |
The Samson Banking Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Samson Banking Company, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Samson Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16185) · FFIEC NIC profile (RSSD 472531)