MIDSOUTH BANK
MIDSOUTH BANK is an FDIC-insured commercial bank headquartered in DOTHAN, AL, established in 1912. As of , 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 3.44%. CET1 capital ratio: 11.82%, well above regulatory minimums. NPL ratio: 0.34% · Texas Ratio: 2.15%. Operates 13 domestic branches.
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 11.82% | 0.85% | 0.34% | 2.15% | 3.44% |
| 2025-09-30 | 11.92% | 0.95% | 0.10% | 0.64% | 3.47% |
| 2025-06-30 | 11.80% | 0.81% | 0.09% | 0.64% | 3.40% |
| 2025-03-31 | 11.88% | 0.75% | 0.10% | 0.68% | 3.37% |
| 2024-12-31 | 12.18% | 0.84% | 0.11% | 0.73% | 3.51% |
| 2024-09-30 | 12.24% | 0.74% | 0.06% | 0.39% | 3.35% |
| 2024-06-30 | 11.95% | 0.69% | 0.06% | 0.96% | 3.21% |
| 2024-03-31 | 12.34% | 0.84% | 0.06% | 1.00% | 3.21% |
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Frequently asked about MIDSOUTH BANK
What are Midsouth Bank's total assets?
As of the Q4 2025 filing, Midsouth Bank reported total assets of $762.3 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Midsouth Bank headquartered?
Midsouth Bank is headquartered in DOTHAN, AL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Midsouth Bank founded?
Midsouth Bank was established in 1912, per the FDIC institution directory.
Is Midsouth Bank FDIC-insured?
Yes. Midsouth Bank is an FDIC-insured commercial bank (FDIC Certificate #2777). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Midsouth Bank?
Midsouth Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Midsouth Bank's CET1 capital ratio?
Midsouth Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.82% in its most recent quarterly filing — above regulatory minimums.
How many branches does Midsouth Bank operate?
Midsouth Bank operates 13 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Midsouth Bank's Texas Ratio?
Midsouth Bank's Texas Ratio is 2.15% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.