Midsouth Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Midsouth Bank of Dothan, AL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.88% | 1.34% | -0.46% | 27th below |
| ROAE | 10.74% | 13.32% | -2.58% | 41st below |
| Net Interest Margin | 3.76% | 3.93% | -0.17% | 40th below |
| Efficiency Ratio | 73.42% | 61.13% | +12.29% | 22nd bottom |
| PPNR / Avg Assets | 0.97% | 1.68% | -0.71% | 19th bottom |
| Yield on Earning Assets | 5.36% | 5.67% | -0.31% | 38th below |
| Cost of Funds | 1.63% | 1.88% | -0.25% | 61st above |
| Net Interest Spread | 3.36% | 3.32% | +0.04% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.28% | 0.94% | -0.66% | 58th above |
| NPA / Total Assets | 0.16% | 0.70% | -0.54% | 63rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 32nd below |
| ACL / Total Loans | 1.64% | 1.28% | +0.36% | 85th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 577.98% | 1539.46% | -961.48% | 74th above |
| Texas Ratio | 1.78% | 7.34% | -5.56% | 65th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 916.67% | 1396.03% | -479.36% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.95% | 19.51% | -7.56% | 17th bottom |
| Tier 1 Ratio | 11.95% | 19.55% | -7.60% | 17th bottom |
| Total Capital Ratio | 13.20% | 20.63% | -7.43% | 18th bottom |
| Leverage Ratio | 9.30% | 12.14% | -2.84% | 17th bottom |
| Equity / Assets | 8.25% | 11.38% | -3.13% | 16th bottom |
| TCE / Tangible Assets | 8.25% | 11.10% | -2.85% | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 63.63% | 80.65% | -17.02% | 79th top |
| Core Deposit Ratio | 90.90% | 86.86% | +4.04% | 60th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.62% | 6.85% | -1.23% | 59th above |
| Loan Growth (Y/Y) | 3.16% | 7.91% | -4.75% | 37th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.01% | 6.29% | -1.28% | 57th above |
See Midsouth Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Midsouth Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Midsouth Bank profile, how to read a UBPR, or how this data updates.