Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
2 West Main Street
Samson, AL 36477

The Samson Banking Company, Inc. is headquartered in Samson and is the 125th largest bank in the state of Alabama. It is also the 5,818st largest bank in the nation. It was established in 1930 and as of December of 2013, it had grown to 16 employees at 1 location. The Samson Banking Company, Inc. has a B+ health rating.

No reviews have been left for this bank yet. Be the first to review.



Health

Data for Q4 2013

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. The Samson Banking Company, Inc. has a relatively low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 The Samson Banking Company, Inc. had $276,000 in non-current loans and owned real-estate with $9.17 million in equity and loan loss allowances on hand to cover it. This gives The Samson Banking Company, Inc. a Texas Ratio of 3.01% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for The Samson Banking Company, Inc. experienced no significant changes from 2.62% as of December 31, 2012 to 3.01% as of December 31, 2013, resulting in a negative change of 14.91%. This indicates that the balance sheet and financial strength for The Samson Banking Company, Inc. has had no significant changes in recent periods.

Deposit Growth

GRADE:
B

In the past year, The Samson Banking Company, Inc. has increased its total deposits by $75,000, resulting in 0.16% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Samson Banking Company, Inc. has shown is above average.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Samson Banking Company, Inc. has $57.35 million in assets with $9.17 million in equity, resulting in a capitalization level of 15.99%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #16185
Year Established1930
Employees16
Primary RegulatorFDIC
Assets and Liabilities
Assets$57.35 million
Loans$21.64 million
Deposits$48.36 million
Equity Capital$8.93 million
Loan Loss Allowance$245,000
Unbacked Noncurrent Loans$154,000
Real Estate Owned$122,000
Historic Data - December 2012
Assets$57.29 million
Equity Capital$8.96 million
Loan Loss Allowance$245,000
Unbacked Noncurrent Loans$154,000
Real Estate Owned$115,000
Profit Margin - Quarterly
Net Interest Margin2.98%
Return on Assets1.01%
Return on Equity6.52%
Interest Income$1.68 million
Rates

Sorry, we do not have rate data for The Samson Banking Company, Inc.

Locations


The Samson Banking Company, Inc. Locations
The Samson Banking Company, Inc.2 West Main StreetSamson, AL 36477