Midsouth Bank
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
$771.5MAssets
$447.2MLoans
$702.8MDeposits
$63.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 58% of banks under $1B in assets (rank 243 of 581).
- Widest gap: equity / assets trails 86% of banks under $1B in assets (rank 543 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $18.9M · efficiency ratio beats 31% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |