BlastPoint's Banking Scorecard

MidSouth Bank

$100M-$1B Specialty: Commercial AL FDIC cert 2777

Dothan, AL

14 branches across AL · FL

2664 banks in the $100M-$1B peer group nationally 64 in AL

MidSouth Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.59% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 21.8% in tier
- Credit Quality Pressure: Bottom 34.8% in tier
- ROA 0.50% below tier average
- Net Interest Margin 0.33% below tier average
- Efficiency Ratio 13.20% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$746.5M +4.8% YoY -2.1% QoQ	+$360.4M	$386.1M +0.5% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	Top 10.5% in tier
Total Loans ?	$434.7M +4.1% YoY +0.7% QoQ	+$178.9M	$255.7M +1.1% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	83%
Total Deposits ?	$679.9M +3.8% YoY -2.2% QoQ	+$351.9M	$328.0M +0.1% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	Top 8.2% in tier
Return on Assets ?	0.77% +2.2% YoY -8.8% QoQ	-0.50%	1.27% +12.9% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	24%
Net Interest Margin ?	3.60% +4.5% YoY +2.4% QoQ	-0.33%	3.93% +6.0% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	35%
Efficiency Ratio ?	78.49% +4.2% YoY +4.7% QoQ	+13.20%	65.29% -4.5% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	17%
Delinquency Rate ?	0.30% +475.0% YoY -0.4% QoQ	-0.59%	0.89% +18.8% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	57%
Loan-to-Deposit Ratio ?	63.93% +0.3% YoY +3.0% QoQ	-12.71%	76.64% +0.8% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	77%
Non-Interest-Bearing Deposit Share ?	18.09% +2.6% YoY +1.2% QoQ	-3.93%	22.02% -1.0% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	37%
Nonperforming Asset Ratio ?	0.17% +471.2% YoY +2.4% QoQ	-0.46%	0.64% +19.7% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	62%
Tier 1 Capital Ratio ?	11.84% -0.4% YoY +0.2% QoQ	-3.99%	15.83% +1.5% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.08% -3.7% YoY -72.2% QoQ	-0.20%	0.28% +9.3% YoY	0.16% -16.3% YoY	0.32% +4.1% YoY	42%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#213 of 973 • Bottom 21.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#456 of 1308 • Bottom 34.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.30%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

219

Total Deposits

size

Value: $679.88M

Peer Median: $327.97M

#219 of 2664 Top 8.2% in $100M-$1B

280

Total Assets

size

Value: $746.49M

Peer Median: $386.08M

#280 of 2664 Top 10.5% in $100M-$1B

453

Total Loans

size

Value: $434.66M

Peer Median: $255.72M

#453 of 2664 Top 17.0% in $100M-$1B

626

Loan-to-Deposit Ratio

liquidity

Value: 63.93%

Peer Median: 76.64%

#626 of 2664 Top 23.5% in $100M-$1B

Top Weaknesses (2 metrics)

2209

Efficiency Ratio

profitability

Value: 78.49%

Peer Median: 65.29%

#2209 of 2664 Bottom 17.1% in $100M-$1B

2018

Return on Assets

profitability

Value: 0.77%

Peer Median: 1.27%

#2018 of 2664 Bottom 24.3% in $100M-$1B