The Samson Banking Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Yield on loans edged down 0.10 percentage points between Q1 2026 and Q2 2026, to 7.67%. The Samson Banking Company ranks 59th of 93 Alabama banks on net interest margin, in the lower half at 3.65% (Q2 2026). The Samson Banking Company reported 3.65% on net interest margin for Q2 2026, 0.30 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.96% |
| Yield on loans | 7.67% |
| Yield on securities | 3.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.54% |
| Cost of interest-bearing deposits | 2.13% |
| Cost of interest-bearing liabilities | 2.13% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.65% |
| Yield to cost spread | 2.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $767K |
| Total interest expense | $400K |
| Interest expense on deposits | $400K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.17% | 1.19% | 3.13% | 7.13% | 2.55% |
| Q4 2023 | 4.50% | 1.28% | 3.37% | 7.35% | 2.83% |
| Q1 2024 | 4.65% | 1.45% | 3.39% | 7.36% | 3.02% |
| Q2 2024 | 4.89% | 1.68% | 3.44% | 7.59% | 3.25% |
| Q3 2024 | 5.06% | 1.61% | 3.66% | 7.80% | 3.26% |
| Q4 2024 | 5.15% | 1.66% | 3.71% | 8.02% | 3.33% |
| Q1 2025 | 5.04% | 1.58% | 3.66% | 7.81% | 3.52% |
| Q2 2025 | 5.21% | 1.61% | 3.82% | 7.84% | 3.64% |
| Q3 2025 | 5.17% | 1.62% | 3.76% | 8.01% | 3.65% |
| Q4 2025 | 5.23% | 1.62% | 3.83% | 7.93% | 3.67% |
| Q1 2026 | 4.97% | 1.58% | 3.62% | 7.77% | 3.64% |
| Q2 2026 | 4.96% | 1.54% | 3.65% | 7.67% | 3.66% |
The Samson Banking Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Samson Banking Company, freeSource: Call Report Schedules RI and RC-K, 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)