Midsouth Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 13.4% higher than in Q1 2026, at -$7.1M. Within Alabama, Midsouth Bank is 29th of 36 on CET1 ratio, 11.95% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Midsouth Bank sits 3.12 points lower, at 11.95% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.95% |
| Tier 1 risk-based capital ratio | 11.95% |
| Total risk-based capital ratio | 13.20% |
| Tier 1 leverage ratio | 9.30% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $70.8M |
| Tier 1 capital | $70.8M |
| Total risk-based capital | $78.2M |
| Total equity capital | $63.7M |
| Risk-weighted assets | $592.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.25% |
| Tangible equity to tangible assets | 8.25% |
| Equity capital to average assets | 8.36% |
| Internal capital growth rate | 8.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $538K |
| Common stock surplus | $11.2M |
| Retained earnings | $59.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.65% | 13.65% | 14.90% | 9.96% | $442.2M |
| Q4 2023 | 12.58% | 12.58% | 13.84% | 9.64% | $484.2M |
| Q1 2024 | 12.34% | 12.34% | 13.59% | 9.46% | $500.3M |
| Q2 2024 | 11.95% | 11.95% | 13.20% | 9.33% | $522.5M |
| Q3 2024 | 12.24% | 12.24% | 13.49% | 9.18% | $516.2M |
| Q4 2024 | 12.18% | 12.18% | 13.43% | 9.50% | $530.3M |
| Q1 2025 | 11.88% | 11.88% | 13.14% | 9.26% | $545.9M |
| Q2 2025 | 11.80% | 11.80% | 13.06% | 9.06% | $557.4M |
| Q3 2025 | 11.92% | 11.92% | 13.17% | 9.01% | $561.4M |
| Q4 2025 | 11.82% | 11.82% | 13.07% | 8.99% | $579.7M |
| Q1 2026 | 11.84% | 11.84% | 13.09% | 9.19% | $587.3M |
| Q2 2026 | 11.95% | 11.95% | 13.20% | 9.30% | $592.7M |
Midsouth Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Midsouth Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Midsouth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2777) · FFIEC NIC profile (RSSD 929932)