Midsouth Bank
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Data as of · sourced from FFIEC call reports. How we update
Midsouth Bank is an FDIC-insured commercial bank headquartered in Dothan, AL, established in 1912 (FDIC certificate 2777), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $771.5M, up 5.6% from Q2 2025, the 23rd largest of 93 banks headquartered in Alabama. Its CET1 capital ratio was 11.95% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 2777
- Headquarters
- Dothan, AL
- Established
- 1912
- Total assets, Q2 2026
- $771.5M
- Assets vs Q2 2025
- +5.6%
- CET1 ratio, Q2 2026
- 11.95%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 062103864
- Holding company
- MIDSOUTH BANCORPORATION
- Asset rank in state
- 23rd of 93 in Alabama
Midsouth Bank leans heavily on commercial real estate. The Dothan, Alabama bank had $771 million in assets at June 30, 2026, up 5.6% from a year earlier. It holds commercial real estate loans worth 2.6 times its capital, about double the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also holds common equity equal to 11.95% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
The commercial and industrial book ($48 million) is worsening: 1.19% of it is past due or on nonaccrual, up from 0.10% a year earlier. Net income for the quarter rose 14% from a year earlier, to $1.7 million. Costs are the weak spot: it spends about 73 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Midsouth Bank reported a CET1 capital ratio of 11.95%, a return on assets of 0.88%, a nonperforming-loan ratio of 0.28% and a Texas ratio of 1.78%. The figures come from its call report filed with the FFIEC.
Midsouth Bank ranks as the 23rd largest of the 93 banks based in Alabama, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.3% to $771.5M, loans rose 1.2% and deposits rose 3.4%. Owner-occupied commercial real estate loans made up 23.5% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 22.4%. Its 14 offices in the FDIC Summary of Deposits are in 10 cities across 2 states; its Dothan 4 offices book 36% of its branch deposits. By the capital ratios in its Q2 2026 call report, Midsouth Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2526 W Main St, Dothan, AL 36301
- County
- Houston
- Metro Area
- Dothan, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1912
- Former names
- MidSouth Bank, National Association (2003-2014)
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 137
- Domestic deposits
- $702.8M
- Allowance for credit losses
- $7.3M
- Net charge-offs (YTD)
- $30K
- Average total assets
- $761.3M
- Average total loans
- $443.4M
- Average interest-bearing deposits
- $563.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2777
- Fed RSSD
- 929932
- Website
- www.bankmidsouth.com →
- Parent Holding Company
- MIDSOUTH BANCORPORATION (RSSD 1136689)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Midsouth Bank's total assets ran between $596.1M (Q3 2023) and $771.5M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$771.5M total assets against $730.4M; $707.8M total liabilities against $674.3M.
$439.9M net loans and leases against $426.4M; $702.8M total deposits against $669.3M.
$219.6M securities against $181.9M; $58.7M cash and balances due against $73.9M.
$9.4M total interest income against $8.9M; $2.8M total interest expense against $3.2M.
$6.6M net interest income against $5.7M.
$603K total noninterest income against $550K; $5.3M total noninterest expense against $4.8M.
$150K provision for credit losses against $0.
$1.7M net income against $1.5M.
0.88% return on assets against 0.81%; 3.76% net interest margin against 3.44%.
11.95% CET1 capital ratio against 11.80%; 9.30% tier 1 leverage ratio against 9.06%.
Inside the full Midsouth Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Midsouth Bank rankings
Its closest position to the top of a national ranking is 1,284 of 4,196, for total assets; its furthest is 2,961 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.71% (Q3 2024) to 0.94% (Q3 2025) and its net interest margin ran from 3.37% (Q3 2024) to 3.76% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.95% | 0.88% | 0.28% | 1.78% | 3.76% |
| Q1 2026 | 11.84% | 0.77% | 0.29% | 1.90% | 3.58% |
| Q4 2025 | 11.82% | 0.83% | 0.30% | 1.86% | 3.47% |
| Q3 2025 | 11.92% | 0.94% | 0.29% | 1.92% | 3.49% |
| Q2 2025 | 11.80% | 0.81% | 0.05% | 0.33% | 3.44% |
| Q1 2025 | 11.88% | 0.75% | 0.05% | 0.36% | 3.39% |
| Q4 2024 | 12.18% | 0.83% | 0.06% | 0.39% | 3.53% |
| Q3 2024 | 12.24% | 0.71% | 0.06% | 0.39% | 3.37% |
Swipe the table sideways to see every column.
Branch Network
View all 14 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Midsouth Bank (main office) | Dothan , AL | 36301 | $212.1M |
| Eufaula Branch | Eufaula , AL | 36027 | $137.1M |
| Panama City Branch | Panama City , FL | 32405 | $62.9M |
| Auburn Branch | Auburn , AL | 36830 | $55.4M |
| Clayton Branch | Clayton , AL | 36016 | $51.6M |
| Ashford Branch | Ashford , AL | 36312 | $43.0M |
| Tallahassee Branch | Tallahassee , FL | 32301 | $33.2M |
| Fort Walton Beach Branch | Fort Walton Beach , FL | 32547 | $28.3M |
| Pensacola Branch | Pensacola , FL | 32502 | $20.0M |
| Northside Branch | Dothan , AL | 36303 | $16.0M |
| Southside Branch | Dothan , AL | 36301 | $15.0M |
| Westside Branch | Dothan , AL | 36305 | $13.1M |
| Panama City Beach Branch | Panama City Beach , FL | 32407 | $12.9M |
| Village Green Way Branch | Tallahassee , FL | 32308 | $2.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2003 | Structure Change | Acquired Barbour County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- March 25, 2010, OCC: Formal Agreement: Midsouth Bank, National Association
- Period: Most recent institution action March 25, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in AL, rank 41 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $778K approved, $259K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Midsouth Bank
What are Midsouth Bank's total assets?
As of the Q2 2026 filing, Midsouth Bank reported total assets of $771.5 million in its FFIEC call report.
Where is Midsouth Bank headquartered?
It is headquartered in Dothan, AL, United States.
When was Midsouth Bank founded?
It was established in 1912, per the FDIC institution directory.
Is Midsouth Bank FDIC-insured?
Yes. It 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.
What is Midsouth Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.95% in its Q2 2026 call report, above regulatory requirements.
How many branches does Midsouth Bank operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Midsouth Bank's Texas Ratio?
Its Texas Ratio is 1.78% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Midsouth Bank previously called?
The charter now named Midsouth Bank has also operated as MidSouth Bank, National Association (2003-2014), per FDIC structure-change records.
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