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Midsouth Bank
Dothan, AL · FDIC Certificate #2777 · Chartered 01/0
Total assets
$771.48M
Total deposits
$702.80M
Total equity
$63.66M
Net loans
$439.88M
Branches (offices)
14
Net income (YTD)
$3.13M
Rank: #1,292 of 4,213 U.S. banks by assets · #23 of 93 in Alabama. Assets changed 5.6% and deposits 5.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.82% |
| Return on equity | 10.00% |
| Net interest margin (YTD) | 3.67% |
| Equity to assets | 8.25% |
| Tier 1 leverage ratio | 9.30% |
| Uninsured deposits (share of deposits) | 40.9% |
| Noncurrent loans (share of loans) | 0.28% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 62.6% |
| Real estate loans (share of loans) | 89.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $393.72M | 89.5% | |
| Commercial & industrial | $47.82M | 10.9% | |
| Consumer / individual | $3.57M | 0.8% | |
| Construction & development | $100.06M | 22.7% | |
| Agricultural | $931.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $616.59M | $573.38M | $954.00K | $41.77M |
| Jun 2023 | $579.31M | $533.58M | $3.15M | $43.03M |
| Jun 2024 | $675.85M | $623.77M | $2.48M | $47.90M |
| Jun 2025 | $730.40M | $669.29M | $2.79M | $56.06M |
| Jun 2026 | $771.48M | $702.80M | $3.13M | $63.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $543.31M | 8 |
| Florida | $159.48M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $702.80M.
Similar-sized banks
Westbury Bank ($771.89M) · Itasca Bank & Trust Co. ($770.77M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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