Midsouth Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 103.56 percentage points in Q2 2026, from 474.42% to 577.98%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Midsouth Bank is 64th of 93 on return on assets, 0.88% as of Q2 2026, below the middle of the field. Midsouth Bank reported 0.88% on return on assets for Q2 2026, 0.37 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.95% |
| Tier 1 risk-based capital ratio | 11.95% |
| Total risk-based capital ratio | 13.20% |
| Tier 1 leverage ratio | 9.30% |
| Equity capital to assets | 8.25% |
| Tangible equity to tangible assets | 8.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.28% |
| Non-performing assets ratio | 0.16% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 1.78% |
| Allowance for credit losses to loans | 1.64% |
| Reserve coverage of non-performing loans | 577.98% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.88% |
| Return on equity | 10.74% |
| Net interest margin | 3.76% |
| Efficiency ratio | 73.42% |
| Yield on earning assets | 5.36% |
| Cost of funds | 1.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.63% |
| Core deposits to total deposits | 90.90% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.10% |
| Securities to assets | 28.47% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.65% | 13.65% | 14.90% | 9.96% | 0.76% |
| Q4 2023 | 12.58% | 12.58% | 13.84% | 9.64% | 0.72% |
| Q1 2024 | 12.34% | 12.34% | 13.59% | 9.46% | 0.82% |
| Q2 2024 | 11.95% | 11.95% | 13.20% | 9.33% | 0.68% |
| Q3 2024 | 12.24% | 12.24% | 13.49% | 9.18% | 0.71% |
| Q4 2024 | 12.18% | 12.18% | 13.43% | 9.50% | 0.83% |
| Q1 2025 | 11.88% | 11.88% | 13.14% | 9.26% | 0.75% |
| Q2 2025 | 11.80% | 11.80% | 13.06% | 9.06% | 0.81% |
| Q3 2025 | 11.92% | 11.92% | 13.17% | 9.01% | 0.94% |
| Q4 2025 | 11.82% | 11.82% | 13.07% | 8.99% | 0.83% |
| Q1 2026 | 11.84% | 11.84% | 13.09% | 9.19% | 0.77% |
| Q2 2026 | 11.95% | 11.95% | 13.20% | 9.30% | 0.88% |
Midsouth Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Midsouth Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)