Midsouth Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Midsouth Bank is a locally rooted FDIC-insured community bank based in Dothan, AL. The Q2 2026 balance sheet stands at $771M in assets, including $447M in loans. Profitability tracks the broader industry: ROA 0.88%, ROE 10.74%, NIM 3.76%. Capital cushions are healthy: 11.95% CET1, 9.30% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.28%. Midsouth operates a 14-branch network.
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%, a Texas ratio of 1.78%, per financial data filed with the FFIEC.
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)
- Offices
- 14 domestic
- Employees (FTE)
- 137
- Domestic deposits
- $702.8M
- Allowance for credit losses
- $7.3M
- Net charge-offs (YTD)
- $30K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Midsouth Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Midsouth 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.95% | 0.88% | 0.28% | 1.78% | 3.76% |
| Q1 2026 | 11.84% | 0.77% | 0.34% | 2.20% | 3.58% |
| Q4 2025 | 11.82% | 0.83% | 0.34% | 2.15% | 3.47% |
| Q3 2025 | 11.92% | 0.94% | 0.10% | 2.24% | 3.49% |
| Q2 2025 | 11.80% | 0.81% | 0.09% | 0.65% | 3.44% |
| Q1 2025 | 11.88% | 0.75% | 0.10% | 0.68% | 3.39% |
| Q4 2024 | 12.18% | 0.83% | 0.11% | 0.73% | 3.53% |
| Q3 2024 | 12.24% | 0.71% | 0.06% | 0.39% | 3.37% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 14 branches →
| 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
What the public regulatory sources show for Midsouth Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Midsouth Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Midsouth Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Midsouth Bank headquartered?
Midsouth Bank is headquartered in Dothan, AL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Midsouth Bank founded?
Midsouth Bank was established in 1912, per the FDIC institution directory.
Is Midsouth Bank FDIC-insured?
Yes. Midsouth Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Midsouth Bank's CET1 capital ratio?
Midsouth Bank 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?
Midsouth Bank 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?
Midsouth Bank's Texas Ratio is 1.78% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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.
Go deeper on Midsouth Bank.
Unlock the full terminal: 25 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Midsouth Bank, freeFree account