BlastPoint's Banking Scorecard
MidSouth Bank
Community
Specialty: Commercial
AL
FDIC cert 2777
Dothan, AL
1484
banks in Community tier nationally
26 in AL
View Community leaderboard (AL) →
MidSouth Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 49% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$762.3M
+9.9% YoY
+4.4% QoQ
|
-$629.1M |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$431.6M
+8.2% YoY
+0.9% QoQ
|
-$543.9M |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$695.3M
+8.9% YoY
+4.4% QoQ
|
-$469.3M |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
0.84%
+8.7% YoY
-0.0% QoQ
|
-0.32% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
3.51%
+1.7% YoY
+0.2% QoQ
|
-0.15% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
74.95%
+0.5% YoY
+0.2% QoQ
|
+12.31% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
0.30%
+429.4% YoY
+0.2% QoQ
|
-0.33% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
62.07%
-0.6% YoY
-3.3% QoQ
|
-20.99% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.88%
-0.2% YoY
-4.9% QoQ
|
-3.17% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.17%
+421.3% YoY
-3.2% QoQ
|
-0.33% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
11.82%
-3.0% YoY
-0.9% QoQ
|
+1.57% |
10.24%
-0.6% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.30%
-23.8% YoY
+27.1% QoQ
|
-0.44% |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#317 of 642 · Bottom 49% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Loan-to-Deposit Ratio
Current: 62.07% · Tier avg: 83.06%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
61
61th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.63%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.82% · Tier avg: 10.24%
43
43th pctile
Net Interest Margin
Current: 3.51% · Tier avg: 3.66%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.88% · Tier avg: 21.05%
38
38th pctile
Total Deposits
Current: $695.3M · Tier avg: $1.2B
32
32th pctile
Total Assets
Current: $762.3M · Tier avg: $1.4B
27
27th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.16%
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
20
20th pctile
Total Loans
Current: $431.6M · Tier avg: $975.5M
17
17th pctile
Efficiency Ratio
Current: 74.95% · Tier avg: 62.63%
Top Weaknesses
17
17th pctile
Efficiency Ratio
Current: 74.95% · Tier avg: 62.63%
20
20th pctile
Total Loans
Current: $431.6M · Tier avg: $975.5M
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
27
27th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.16%
32
32th pctile
Total Assets
Current: $762.3M · Tier avg: $1.4B
38
38th pctile
Total Deposits
Current: $695.3M · Tier avg: $1.2B
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.88% · Tier avg: 21.05%
43
43th pctile
Net Interest Margin
Current: 3.51% · Tier avg: 3.66%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.82% · Tier avg: 10.24%
61
61th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.63%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
90
90th pctile
Loan-to-Deposit Ratio
Current: 62.07% · Tier avg: 83.06%