Dothan, AL · Cert 2777 · Midsouth Bcorp
State charter, non-member · FDIC · 14 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
56
Profitability
35
Liquidity
47
Efficiency
31
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Dothan, AL · Cert 2777 · Midsouth Bcorp
State charter, non-member · FDIC · 14 branches
Q2 2026
Market Position · Dothan, AL · 2026 SOD (annual) · 6.4% share · #4 of 18 inst. · $0.3B of $4.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.62% | 0.61% | 0.63% | 0.68% | 0.68% | 0.60% | 0.65% | +2 bps | |
| Return on Equity | 8.12% | 8.35% | 8.13% | 8.37% | 8.77% | 8.71% | 7.32% | 7.90% | -47 bps | |
| Net Interest Margin | 2.94% | 3.05% | 3.13% | 3.09% | 3.09% | 3.05% | 3.28% | 3.35% | +26 bps | |
| Efficiency Ratio | 75.21% | 74.60% | 75.33% | 75.70% | 74.81% | 74.95% | 78.49% | 76.25% | +56 bps | |
| Non-Interest Burden | 2.11% | 2.17% | 2.27% | 2.26% | 2.23% | 2.21% | 2.50% | 2.48% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.46% | 9.29% | 10.79% | 8.07% | 11.87% | 9.91% | 4.81% | 5.62% | -245 bps | |
| Loan Growth (YoY) | 19.83% | 14.18% | 13.69% | 9.72% | 9.35% | 8.17% | 4.05% | 3.16% | -656 bps | |
| Deposit Growth (YoY) | 7.51% | 9.46% | 10.62% | 7.30% | 11.94% | 8.91% | 3.75% | 5.01% | -229 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.06% | 0.05% | 0.05% | 0.29% | 0.30% | 0.29% | 0.28% | +23 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 1.66% | 1.68% | 1.67% | 1.63% | 1.63% | 1.61% | 1.61% | 1.64% | +1 bps | |
| Allowance Coverage of NPLs | 28.3x | 30.2x | 32.6x | 33.5x | 5.5x | 5.5x | 5.5x | 5.8x | -27.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.18% | 9.50% | 9.26% | 9.06% | 9.01% | 8.99% | 9.19% | 9.30% | +24 bps | |
| Total Risk-Based Capital | 13.49% | 13.43% | 13.14% | 13.06% | 13.17% | 13.07% | 13.09% | 13.20% | +14 bps | |
| Equity / Assets | 8.20% | 7.41% | 7.54% | 7.68% | 8.15% | 8.22% | 8.21% | 8.25% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.82% | 63.52% | 64.80% | 64.77% | 65.28% | 63.09% | 64.98% | 63.63% | -114 bps | |
| Liquid Assets / Assets | 4.50% | 7.28% | 8.53% | 7.80% | 5.93% | 6.16% | 3.42% | 5.56% | -224 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 424% | 433% | 431% | n/a | n/a | |
Dothan, AL · Cert 2777 · Peer group: banks under $1B in assets (n=581-629) · Midsouth Bcorp
State charter, non-member · FDIC · 14 branches
Q2 2026
Return on Assets
0.64%
Rank 461 of 629
Net Interest Margin
3.35%
Rank 374 of 629
Efficiency Ratio
76.25%
Rank 436 of 629
Equity / Assets
8.25%
Rank 543 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.64% | 0.60% | 1.01% | 1.45% | Beats 27% | 461 / 629 | ||
| Return on Equity | 7.76% | 5.38% | 9.30% | 13.28% | Beats 38% | 387 / 629 | ||
| Net Interest Margin | 3.35% | 3.03% | 3.54% | 4.05% | Beats 41% | 374 / 629 | ||
| Efficiency Ratio | 76.25% | 58.35% | 67.79% | 79.08% | Beats 31% | 436 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.28% | 0.09% | 0.46% | 1.20% | Beats 58% | 243 / 581 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 53% | 276 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.95% | 11.24% | 13.84% | 18.77% | Beats 33% | 422 / 629 | ||
| Total Risk-Based Capital Ratio | 13.20% | 11.58% | 14.43% | 19.66% | Beats 40% | 376 / 629 | ||
| Equity / Assets | 8.25% | 9.09% | 10.65% | 13.80% | Beats 14% | 543 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.63% | 67.24% | 80.90% | 93.48% | 22nd pctl | 465 / 594 | ||
| Loans / Assets | 57.97% | 53.31% | 67.71% | 78.15% | 31st pctl | 432 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||