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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.68% | 0.68% | 0.60% | 0.65% | +2 bps | |
| Return on Equity | 8.37% | 8.77% | 8.71% | 7.32% | 7.90% | -47 bps | |
| Net Interest Margin | 3.09% | 3.09% | 3.05% | 3.28% | 3.35% | +26 bps | |
| Efficiency Ratio | 75.70% | 74.81% | 74.95% | 78.49% | 76.25% | +56 bps | |
| Non-Interest Burden | 2.26% | 2.23% | 2.21% | 2.50% | 2.48% | +22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.07% | 11.87% | 9.91% | 4.81% | 5.62% | -245 bps | |
| Loan Growth (YoY) | 9.72% | 9.35% | 8.17% | 4.05% | 3.16% | -656 bps | |
| Deposit Growth (YoY) | 7.30% | 11.94% | 8.91% | 3.75% | 5.01% | -229 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.05% | 0.29% | 0.30% | 0.29% | 0.28% | +23 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 1.63% | 1.63% | 1.61% | 1.61% | 1.64% | +1 bps | |
| Allowance Coverage of NPLs | 33.5x | 5.5x | 5.5x | 5.5x | 5.8x | -27.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.06% | 9.01% | 8.99% | 9.19% | 9.30% | +24 bps | |
| Total Risk-Based Capital | 13.06% | 13.17% | 13.07% | 13.09% | 13.20% | +14 bps | |
| Equity / Assets | 7.68% | 8.15% | 8.22% | 8.21% | 8.25% | +58 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.77% | 65.28% | 63.09% | 64.98% | 63.63% | -114 bps | |
| Liquid Assets / Assets | 7.80% | 5.93% | 6.16% | 3.42% | 5.56% | -224 bps | |
| CRE / Total Capital | n/a | 424% | 433% | 431% | n/a | n/a | |