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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Dothan, AL · FDIC certificate #2777
MIDSOUTH BANK is an FDIC-insured institution based in Dothan, AL (FDIC certificate #2777). In its Q3 2026 Call Report it reported total assets of $770M, total deposits of $708M and net loans of $437M. Its primary federal regulator is FDIC.
Plain-language readout
MIDSOUTH BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $771M in Q2 2026 and were lowest at $746M in Q1 2026.
Total deposits were highest at $708M in Q3 2026 and lowest at $680M in Q1 2026.
Over the whole period total assets rose 3.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $770M | $708M | $437M | 0.90% | 11.28% | 3.78% |
| Q2 2026 | $771M | $703M | $440M | 0.82% | 10.00% | 3.67% |
| Q1 2026 | $746M | $680M | $435M | 0.77% | 9.35% | 3.60% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $55.9M | $38.4M | +$17.5M | +45.7% |
| Federal funds sold | $2.8M | $1.9M | +$836K | +43.2% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $219.6M | $219.3M | +$388K | +0.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $508K | -$508K | -100.0% |
| Net loans and leases (after allowance) | $439.9M | $434.2M | +$5.7M | +1.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $35.7M | $34.4M | +$1.3M | +3.8% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $17.6M | $17.9M | -$302K | -1.7% |
| Total assets | $771.5M | $746.5M | +$25.0M | +3.3% |
| Liabilities | ||||
| Total deposits | $702.8M | $679.9M | +$22.9M | +3.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $5.0M | $5.3M | -$317K | -5.9% |
| Total liabilities | $707.8M | $685.2M | +$22.6M | +3.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $538K | $538K | $0K | 0.0% |
| Surplus | $11.2M | $11.2M | $0K | 0.0% |
| Retained earnings | $59.1M | $57.8M | +$1.3M | +2.2% |
| Accumulated other comprehensive income | -$7.1M | -$8.3M | +$1.1M | +13.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $63.7M | $61.3M | +$2.4M | +3.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.3M | $1.3M | -$32K | -2.5% |
| Adjusted nonperforming assets | $1.3M | $1.3M | -$32K | -2.5% |
| Tangible equity plus allowance | $71.0M | $68.4M | +$2.6M | +3.8% |
| Texas ratio (gross) | 1.78% | 1.90% | -0.11 pts | See points |
| Texas ratio (adjusted) | 1.78% | 1.90% | -0.11 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | 2.20% | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 11.95% | 11.84% | +0.11 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 11.95% | 11.84% | +0.11 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.20% | 13.09% | +0.11 pts | See points |
| Tier 1 leverage (approximate) | 9.30% | 9.19% | +0.11 pts | See points |
| Construction and land loans to total capital | 127.92% | 123.36% | +4.56 pts | See points |
| Commercial real estate to total capital | 257.77% | 267.47% | -9.70 pts | See points |
| Dividend payout, year to date | 25.91% | 28.31% | -2.40 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -10.79% | -12.69% | +1.90 pts | See points |
| Liquidity | ||||
| Core deposits | $638.8M | $616.3M | +$22.5M | +3.6% |
| Non-core funding | $64.0M | $63.5M | +$453K | +0.7% |
| Loans to core deposits | 70.01% | 71.59% | -1.59 pts | See points |
| Loans to deposits | 63.63% | 64.90% | -1.27 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 51.33% | 51.88% | -0.55 pts | See points |
| Loans pledged, share of loans | 8.59% | 8.09% | +0.50 pts | See points |
| Volatile liabilities | $66.2M | $64.0M | +$2.2M | +3.4% |
| Earnings | ||||
| Earnings before provision, year to date | $3.3M | $1.5M | +$1.9M | +126.1% |
| Earnings before provision, single quarter | $1.9M | $1.5M | +$384K | +26.1% |
| Provision for credit losses, year to date | $175K | $25K | +$150K | +600.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.54% | 6.45% | +0.09 pts | See points |
| Yield on interest-bearing balances due from banks | 3.72% | 3.74% | -0.02 pts | See points |
| Total interest income to average assets | 4.93% | 4.79% | +0.14 pts | See points |
| Cost of interest-bearing transaction accounts | 0.45% | 0.43% | +0.02 pts | See points |
| Cost of savings and money market deposits | 2.33% | 2.26% | +0.06 pts | See points |
| Cost of time deposits | 3.21% | 3.41% | -0.20 pts | See points |
| Total interest expense to average assets | 1.48% | 1.51% | -0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $770M | $708M | $437M | 0.90% | 11.28% | 3.78% |
| 2026-06-30 | $771M | $703M | $440M | 0.82% | 10.00% | 3.67% |
| 2026-03-31 | $746M | $680M | $435M | 0.77% | 9.35% | 3.60% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $531.4M | 0.37% | 42 | Continuing · +0.01 pp |
| FL | $137.9M | 0.02% | 143 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.