MIDSOUTH BANK

DOTHAN, AL | Medium | Est. Jan. 1, 1912, midnight | FDIC #2777 | RSSD #929932 | FDIC
Latest Report: 2025-12-31

MIDSOUTH BANK is amn medium FDIC-insured commercial bank headquartered in DOTHAN, AL, established in Jan. 1, 1912, midnight. As of 2025-12-31, the bank reported total assets of $762M and total deposits of $695M. Profitability stands at 0.85% ROA and 10.37% ROE, with a net interest margin of 3.55%. The bank's CET1 capital ratio is 11.82%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.29% and a Texas Ratio of 1.85%. FDIC Certificate #2777.

Assets

$762M

Deposits

$695M

Loans

$439M

Equity

$63M

Profitability

Return on Assets (ROA) 0.85%
Return on Equity (ROE) 10.37%
Net Interest Margin (NIM) 3.55%
Yield on Assets 5.39%
Cost of Funds 1.85%

Asset Quality

NPL Ratio 0.29%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.85%
NPA Ratio 0.17%
ACL / Loans 1.61%

Capital & Liquidity

CET1 Ratio 11.82%
Tier 1 Capital 11.82%
Total Capital Ratio 13.07%
Leverage Ratio 8.99%
Loan-to-Deposit 63.09%

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