Midsouth Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 11.33 percentage points in Q2 2026, from 274.71% to 263.38%. It was the largest change from Q1 2026 among the key lines here. Midsouth Bank ranks 57th of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 63.63% (Q2 2026). Midsouth Bank reported 63.63% on loan-to-deposit ratio for Q2 2026, 17.21 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $447.2M |
| Net loans and leases | $439.9M |
| Loans held for sale | $0 |
| Loans to total assets | 57.97% |
| Loan-to-deposit ratio | 63.63% |
| Net loans to equity capital | 6.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.22% |
| Multifamily (5+ residential) | 3.00% |
| Commercial and industrial | 10.69% |
| Consumer | 0.80% |
| Credit cards | 0.00% |
| Farm | 0.89% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 263.38% |
| Construction concentration (Tier 1 capital + allowance) | 128.07% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.54% |
| Interest income on loans | $7.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $331.9M | $553.6M | 43.11% | 15.57% | 1.09% |
| Q4 2023 | $355.2M | $583.2M | 43.90% | 13.32% | 0.95% |
| Q1 2024 | $373.5M | $592.4M | 44.24% | 12.66% | 0.92% |
| Q2 2024 | $395.1M | $623.8M | 43.49% | 13.45% | 0.81% |
| Q3 2024 | $397.7M | $595.2M | 41.70% | 14.23% | 0.73% |
| Q4 2024 | $405.6M | $638.4M | 43.19% | 13.53% | 0.70% |
| Q1 2025 | $424.6M | $655.3M | 44.56% | 12.13% | 0.61% |
| Q2 2025 | $433.5M | $669.3M | 44.97% | 11.66% | 0.66% |
| Q3 2025 | $434.9M | $666.2M | 43.86% | 11.28% | 0.68% |
| Q4 2025 | $438.7M | $695.3M | 43.10% | 11.35% | 0.79% |
| Q1 2026 | $441.8M | $679.9M | 42.60% | 11.01% | 0.64% |
| Q2 2026 | $447.2M | $702.8M | 43.22% | 10.69% | 0.80% |
Midsouth Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Midsouth Bank, freeSource: Call Report Schedule RC-C, 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)