BlastPoint's Banking Scorecard

MidSouth Bank

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

Dothan, AL

14 branches across AL · FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
Deposits +5.0% year over year ($702.8M on the books).
Delinquency rate 0.29%.
Return on assets 0.82%.
Efficiency ratio 76.25% vs a 64.48% peer average.
Loan-to-deposit ratio 62.59% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 63 in AL

View $100M-$1B leaderboard (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 0.63% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 18.1% in tier
- Credit Quality Pressure: Bottom 35.3% in tier
- ROA 0.50% below tier average
- Net Interest Margin 0.31% below tier average
- Efficiency Ratio 11.77% above tier average

Get updates when MidSouth Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$771.5M +5.6% YoY +3.3% QoQ	+$384.9M	$386.6M +1.2% YoY	$2.5B +1.5% YoY	$6.3B +7.7% YoY	Top 9.4% in tier
Total Loans ?	$439.9M +3.1% YoY +1.2% QoQ	+$181.5M	$258.3M +1.7% YoY	$1.6B +2.8% YoY	$3.2B +9.4% YoY	83%
Total Deposits ?	$702.8M +5.0% YoY +3.4% QoQ	+$376.1M	$326.7M +0.7% YoY	$2.1B +0.3% YoY	$4.9B +7.3% YoY	Top 6.5% in tier
Return on Assets ?	0.82% +5.1% YoY +7.1% QoQ	-0.50%	1.32% +10.8% YoY	0.89% -13.0% YoY	1.30% +12.1% YoY	24%
Net Interest Margin ?	3.67% +6.1% YoY +2.1% QoQ	-0.31%	3.99% +5.0% YoY	4.02% +3.4% YoY	3.95% +4.9% YoY	35%
Efficiency Ratio ?	76.25% +0.7% YoY -2.8% QoQ	+11.77%	64.48% -3.2% YoY	69.53% +4.0% YoY	70.05% +2.5% YoY	18%
Delinquency Rate ?	0.29% +482.1% YoY -3.6% QoQ	-0.63%	0.92% +15.7% YoY	1.13% +25.5% YoY	0.98% +16.3% YoY	58%
Loan-to-Deposit Ratio ?	62.59% -1.8% YoY -2.1% QoQ	-15.36%	77.95% +1.0% YoY	67.62% +0.9% YoY	79.03% +2.3% YoY	80%
Non-Interest-Bearing Deposit Share ?	19.03% +7.1% YoY +5.2% QoQ	-3.01%	22.03% -0.6% YoY	24.04% +0.1% YoY	21.98% -0.6% YoY	41%
Nonperforming Asset Ratio ?	0.16% +468.5% YoY -5.6% QoQ	-0.50%	0.67% +16.4% YoY	0.74% +25.2% YoY	0.69% +15.8% YoY	64%
Tier 1 Capital Ratio ?	11.95% +1.2% YoY +0.9% QoQ	-3.96%	15.91% +1.4% YoY	15.01% +1.3% YoY	17.09% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.16% -0.5% YoY +90.1% QoQ	-0.41%	0.57% +7.6% YoY	0.35% -14.4% YoY	0.66% +5.2% YoY	38%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Noninterest-Bearing	19.0% +1.3pp YoY +0.9pp QoQ	-3.1pp	22.1%	24.0%	22.2%	40%
Brokered Deposits	n/a	n/a	7.9%	5.5%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
C&I	10.9% -1.0pp YoY -0.3pp QoQ	-0.7pp	11.6%	16.9%	12.5%	58%
CRE	69.7% +3.3pp YoY +0.8pp QoQ	+30.2pp	39.5%	43.5%	41.4%	93%
1-4 Family	18.9% -1.7pp YoY -0.5pp QoQ	-13.8pp	32.6%	30.6%	31.3%	28%
Consumer	0.8% +0.1pp YoY +0.2pp QoQ	-3.3pp	4.1%	5.7%	5.0%	24%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
CET1 Ratio	11.9% +0.1pp YoY +0.1pp QoQ	-6.9pp	18.8%	15.1%	19.7%	16%
Leverage Ratio	9.3% +0.2pp YoY +0.1pp QoQ	-2.9pp	12.2%	13.2%	12.6%	17%
Total Capital Ratio	13.2% +0.1pp YoY +0.1pp QoQ	-6.7pp	19.9%	16.2%	20.8%	18%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Full-Time Employees	137 +8 (+6.2%) YoY +2 (+1.5%) QoQ	+78	58	304	482	96%
Assets per Employee ($)	$5.6M -0.5% YoY +1.8% QoQ	-$1.9M	$7.5M	$6.9M	$8.8M	26%
Branch Count	14 +1 (+7.7%) YoY 0 QoQ	+9	4	20	18	97%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.3% +0.2pp YoY 0.0pp QoQ	-0.6pp	0.9%	1.2%	1.0%	37%
Allowance Coverage	5.78x -82.8% YoY +5.7% QoQ	-18.37x	24.15x	7.50x	20.23x	73%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	48%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
ROE	10.0% -0.4pp YoY +0.7pp QoQ	-2.2pp	12.2%	10.0%	11.6%	37%
Cost of Funds (YTD)	1.6% -0.3pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.7%	1.7%	46%
Net Income ($, YTD)	$3.1M +12.2% YoY — QoQ	+$571K	$2.6M	$17.2M	$40.4M	71%

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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

#170 of 936 • Bottom 18.1% in tier

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

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#444 of 1256 • Bottom 35.3% in tier

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

Why this signature

Delinquency Rate: 0.29%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

174

Total Deposits

size

Value: $702.80M

Peer Median: $326.73M

#174 of 2643 Top 6.5% in $100M-$1B

250

Total Assets

size

Value: $771.48M

Peer Median: $386.57M

#250 of 2643 Top 9.4% in $100M-$1B

454

Total Loans

size

Value: $439.88M

Peer Median: $258.35M

#454 of 2643 Top 17.1% in $100M-$1B

537

Loan-to-Deposit Ratio

liquidity

Value: 62.59%

Peer Median: 77.95%

#537 of 2643 Top 20.3% in $100M-$1B

Top Weaknesses (2 metrics)

2156

Efficiency Ratio

profitability

Value: 76.25%

Peer Median: 64.48%

#2156 of 2643 Bottom 18.5% in $100M-$1B

2002

Return on Assets

profitability

Value: 0.82%

Peer Median: 1.32%

#2002 of 2643 Bottom 24.3% in $100M-$1B