Total Assets
$762M
Total balance-sheet footings
FDIC Cert #2777 · Dothan, Alabama · Est. 1912
MidSouth Bank - FDIC Bank Health Profile
A community-scale look at MidSouth Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $762M
- Total assets
- B
- Health grade · Good
- 0.84%
- Return on assets
- 11.8%
- Tier 1 capital
Data updated July 2026
The verdict
MidSouth Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 11.82% Tier 1, 0.84% ROA, 75% efficiency ratio.
- #1,306
- largest of 4,313 FDIC banks by assets
- 70th
- percentile by asset size, nationally
- 11.82%
- Tier 1 ratio - above the 10% well-capitalized line
- 32nd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How MidSouth Bank's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
MidSouth Bank's composite health score
Tier 1 Capital Ratio (11.82%) 28/40
Return on Assets (ROA) (0.84%) 14/25
Texas Ratio (1.86%) 20/20
Efficiency Ratio (74.95%) 4/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$695M
Customer-funded liabilities
Net Loans
$432M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where MidSouth Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. MidSouth Bank's score of 66/100 falls in the highlighted band.
MidSouth Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). MidSouth Bank's $762M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.82% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.82%
Texas Ratio
1.86%
Equity Capital
$63M
Profitability metrics
Return on Assets (ROA)
32nd percentile nationally
0.84%
Return on Equity (ROE)
10.78%
Efficiency Ratio
74.95%
What the numbers say about MidSouth Bank
MidSouth Bank is an FDIC-insured institution (Certificate #2777) headquartered in Dothan, Alabama, established in 1912. It holds $762M in total assets - 1,306th of 4,313 FDIC-insured banks, $695M in customer deposits, and $432M in net loans. Looking at capital strength, Tier 1 stands at 11.82%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 1.86%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (66/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Alabama, MidSouth Bank ranks 22nd of 94 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$36M
Interest Income
$2M
Non-Interest Income
$19M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. MidSouth Bank reports a Texas Ratio of 1.86% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.86% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Alabama by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) MidSouth Bank (FDIC Cert #2777) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Alabama
All Alabama banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Regions BankBirmingham | $157.4B | A | 1.43% |
| ServisFirst BankBirmingham | $17.7B | A | 1.58% |
| River Bank & TrustPrattville | $3.8B | A | 1.18% |
| Bank IndependentSheffield | $3.0B | B | 1.01% |
| Bryant BankTuscaloosa | $2.9B | A | 1.69% |
| CB&S Bank, Inc.Russellville | $2.9B | C | 0.85% |
| Oakworth Capital BankBirmingham | $2.0B | B | 1.17% |
| Troy Bank & Trust CompanyTroy | $1.6B | A | 1.34% |
Frequently asked questions
What is MidSouth Bank's health grade?▼
MidSouth Bank receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is MidSouth Bank?▼
MidSouth Bank holds $762M in total assets and $695M in deposits, ranking 1,306th of 4,313 FDIC-insured banks by asset size. It is headquartered in Dothan, Alabama.
Is my money safe at MidSouth Bank?▼
Yes, deposits at MidSouth Bank (Certificate #2777) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is MidSouth Bank's Tier 1 Capital Ratio?▼
MidSouth Bank has a Tier 1 Capital Ratio of 11.82%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for MidSouth Bank?▼
MidSouth Bank has a Texas Ratio of 1.86%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is MidSouth Bank?▼
MidSouth Bank has an Efficiency Ratio of 74.95%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read MidSouth Bank's profile as a depositor or analyst.
- MidSouth Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare MidSouth Bank against other Alabama banks before moving funds. Alabama banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.