Bank Safety Analysis
Mid-Southern Savings Bank, F.S.B.: final safety record
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Return on assets climbed 14.53 percentage points in Q1 2025, from -13.11% to 1.42%. It was the largest change from Q4 2024 among the key lines here. From Q2 2022 to Q1 2025, Mid-Southern Savings Bank, F.S.B.'s Texas ratio ranged between 0.68% (Q3 2024) and 3.06% (Q3 2022). Between Q1 2024 and Q1 2025, Mid-Southern Savings Bank, F.S.B.'s nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.20% to 0.24%, Texas ratio fell from 0.84% to 0.83% and return on assets rose from 0.62% to 1.42%.
Data as of · sourced from FFIEC call reports. How we update
How does Mid-Southern Savings Bank, F.S.B. score on capital, credit and costs?
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
Leverage ratio of 15.55% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 15.55% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.24% are within industry-normal range.
Texas Ratio of 0.8% is well below the 100% historical failure threshold.
Efficiency ratio of 59.8% reflects competitive operating costs (lower is better).
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Does Mid-Southern Savings Bank, F.S.B. trip any risk screens?
Latest filing (Q1 2025), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 0.83% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.24% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 67.42% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 83.82% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q1 2025 | 0.83% |
| Q4 2024 | 0.90% |
| Q3 2024 | 0.68% |
| Q2 2024 | 0.98% |
| Q1 2024 | 0.84% |
| Q4 2023 | 1.65% |
| Q3 2023 | 2.26% |
| Q2 2023 | 2.65% |
| Q1 2023 | 1.77% |
| Q4 2022 | 2.20% |
| Q3 2022 | 3.06% |
| Q2 2022 | 2.63% |
How have Mid-Southern Savings Bank, F.S.B.'s safety ratios changed?
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Mar 31, 2025 | — | 0.24% | 0.83% | 1.42% |
| Dec 31, 2024 | — | 0.24% | 0.90% | -13.11% |
| Sep 30, 2024 | — | 0.18% | 0.68% | 0.93% |
| Jun 30, 2024 | — | 0.24% | 0.98% | 0.91% |
| Mar 31, 2024 | — | 0.20% | 0.84% | 0.62% |
| Dec 31, 2023 | — | 0.40% | 1.65% | 0.82% |
| Sep 30, 2023 | — | 0.46% | 2.26% | 0.88% |
| Jun 30, 2023 | — | 0.61% | 2.65% | 0.78% |
| Mar 31, 2023 | — | 0.41% | 1.77% | 0.61% |
| Dec 31, 2022 | — | 0.51% | 2.20% | 0.84% |
| Sep 30, 2022 | — | 0.59% | 3.06% | 0.87% |
| Jun 30, 2022 | — | 0.59% | 2.63% | 0.92% |
Where does this data come from?
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice.
FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 30133) · FFIEC NIC profile (RSSD 857875)
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