TellerScore

The Samson Banking Company, Inc. (FDIC certificate #16185) is based in Samson, Alabama. Its Q2 2026 call report shows $124.5M in total assets and $106.3M in deposits and 2 offices.

The Samson Banking Company, Inc. has a TellerScore of 94 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 2nd. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (73/100, 1.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion98/100
Tier 1 leverage ratio: 14.76%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings73/100
Return on assets (annualized): 1.33%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 37.5% · 10.7% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (98 → 94), mostly because the earnings component weakened by 22 points.

TellerScore
949799Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202499
Q3 202495
Q4 202498
Q1 202596
Q2 202598
Q3 202597
Q4 202598
Q1 202696
Q2 202694
Tier 1 leverage ratio
5.00%10.14%15.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.83%
Q3 202415.03%
Q4 202414.91%
Q1 202514.63%
Q2 202514.60%
Q3 202514.75%
Q4 202515.28%
Q1 202615.08%
Q2 202614.76%
Noncurrent loans
0.00%0.21%0.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.09%
Q3 20240.41%
Q4 20240.06%
Q1 20250.05%
Q2 20250.00%
Q3 20250.00%
Q4 20250.07%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.33%1.68%2.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.03%
Q3 20241.77%
Q4 20241.86%
Q1 20251.69%
Q2 20251.87%
Q3 20251.78%
Q4 20251.81%
Q1 20261.52%
Q2 20261.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$124.5M14.76%0.00%1.33%37.5%
Q1 202696$121.4M15.08%0.00%1.52%38.2%
Q4 202598$118.1M15.28%0.07%1.81%40.4%
Q3 202597$121.5M14.75%0.00%1.78%39.5%
Q2 202598$122.2M14.60%0.00%1.87%40.0%
Q1 202596$118.9M14.63%0.05%1.69%40.8%
Q4 202498$115.8M14.91%0.06%1.86%40.8%
Q3 202495$111.9M15.03%0.41%1.77%43.8%
Q2 202499$110.9M14.83%0.09%2.03%42.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.76%
86th
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.05%
28th
Return on assets1.33%
55th
Net interest margin3.74%
39th
Efficiency ratio54.7%
72nd
Loans to deposits37.5%
97th
Uninsured deposits10.7%
92nd
Loan-loss reserves1.37%
70th
Texas ratio0.0%
95th

Similar-size banks in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Brantley Bank and Trust CompanyBank Brantley, AL48 out of 100, Below average$126.9M10.1%2.55%vs
The Citizens BankBank Greensboro, AL67 out of 100, Moderate$129.2M12.2%1.87%vs
First State Bank of the South, Inc.Bank Sulligent, AL89 out of 100, Very strong$130.7M16.4%0.24%vs
The Southern Bank CompanyBank Gadsden, AL76 out of 100, Strong$133.1M15.1%1.89%vs
Peoples Bank of GreensboroBank Greensboro, AL59 out of 100, Moderate$115.5M8.9%1.29%vs
The Commercial Bank Of OzarkBank Ozark, AL59 out of 100, Moderate$115.2M9.1%1.14%vs

Deposit insurance

Is my money safe at The Samson Banking Company, Inc.?

Yes. The Samson Banking Company, Inc. is an FDIC-insured institution (FDIC certificate #16185). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 10.7% of deposits ($11.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

The Samson Banking Company, Inc. lists 2 offices in 2 cities. Most locations:

  • Geneva, AL (1)
  • Samson, AL (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Samson Banking Company, Inc. reported 88 home-loan applications under HMDA (LEI 549300DQG9B47MV1MR51): 72 originated ($6,480,000 total), 12 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Samson Banking Company, Inc.
Type
State-chartered bank
FDIC certificate #
16185
RSSD ID
472531
Primary regulator
FDIC
Established
January 1, 1930
Headquarters
2 W Main St, Samson, AL 36477
Employees
22

Quick answers

The Samson Banking Company, Inc.: common questions

Is The Samson Banking Company, Inc. FDIC insured?

Yes. The Samson Banking Company, Inc. is an FDIC-insured institution (FDIC certificate #16185). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Samson Banking Company, Inc.'s TellerScore?

94 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Samson Banking Company, Inc. ever failed?

There is no failure record for FDIC certificate #16185 in the FDIC failed bank list.

How many branches does The Samson Banking Company, Inc. have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Samson

InstitutionScoreAssetsCapitalProblem loansCompare
Southern Independent BankBank Opp, AL87 out of 100, Very strong$395.3M13.6%0.08%vs
Friend BankBank Slocomb, AL85 out of 100, Very strong$221.0M13.5%0.48%vs
Eglin Federal Credit UnionCredit union Fort Walton Bea, FL85 out of 100, Very strong$3.1B13.1%0.35%vs
Walton County Teachers Federal Credit UnionCredit union Defuniak Spring, FL81 out of 100, Strong$30.1M10.9%0.45%vs
CCB Community BankBank Andalusia, AL79 out of 100, Strong$661.9M10.5%0.19%vs
The First National Bank of HartfordBank Hartford, AL75 out of 100, Strong$173.0M12.9%1.19%vs