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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.68% | 0.61% | 0.65% | 0.76% | 0.69% | 0.60% | 0.70% | +5 bps | |
| Return on Equity | 7.81% | 8.68% | 8.13% | 8.61% | 9.57% | 8.48% | 7.32% | 8.56% | -5 bps | |
| Net Interest Margin | 3.11% | 3.26% | 3.13% | 3.15% | 3.22% | 3.19% | 3.28% | 3.45% | +29 bps | |
| Efficiency Ratio | 75.19% | 72.88% | 75.33% | 76.06% | 73.14% | 75.33% | 78.49% | 74.12% | -194 bps | |
| Non-Interest Burden | 2.25% | 2.28% | 2.27% | 2.32% | 2.28% | 2.33% | 2.50% | 2.47% | +15 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 | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | +3 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 | |