# MIDSOUTH BANK
DOTHAN, AL · FDIC certificate 2777 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $771.5M | |
| Deposits | $702.8M | |
| Loans and leases | $447.2M | |
| Total equity | $63.7M | |
| Loans / deposits | 62.59% (p15 of band) | 82.04% |
| Liquid assets / assets | 36.07% (p77 of band) | |
| Uninsured deposits / deposits | 40.94% (p89 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.30% (p18 of band) | 10.81% |
| Unrealized securities loss / equity | -12.00% (p38 of band) | -8.10% |
| AOCI / equity | -2.08% (p7 of band) | |
| ROA (annualized) | 0.82% (p22 of band) | 1.28% |
| Net interest margin | 3.67% (p36 of band) | 3.91% |
| Efficiency ratio | 76.25% (p84 of band) | |
| Noncurrent loans | 0.28% (p40 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p53 of band) | |
| Reserve coverage of noncurrent | 577.98% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 157.18% (p97 of band) | |
| Auto loans | $866,000 (0.19% of loans; DQ 0.81%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.0% | |
| Employees | 137 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | expense ratio p90 |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 | capital falling | expense ratio p90 |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | construction >100% equity |  |
| 2017-12 | 0 |  | construction >100% equity |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | deposits shrinking, assets shrinking |  |
| 2018-12 | 0 |  | deposits shrinking, assets shrinking |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | expense ratio p90 |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | NIM <2.5%, construction >100% equity |  |
| 2022-06 | 5 | AOCI drag >20% of equity, securities losses >30% of equity | NIM <2.5% |
| 2022-09 | 3 |  | capital falling, expense ratio p90 |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | deposits shrinking, assets shrinking |  |
| 2023-09 | 2 |  | deposits shrinking, assets shrinking |
| 2023-12 | 3 | capital falling |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | securities losses >30% of equity |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | capital falling |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-08 [Multiple banks blitzing Central Alabama with expansions - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxNTDF0V2VYbFNRWnZ4SlhBbnFhMWJmbVAzMjBPNDRtVXNSbzAxREZYLWhzeEJPUEdHUXlhUURGVUFVYXVxT2FoRTFvNjVVaEZJVmFidmlkcDd6V0NiejRISEhDWHFOaGFacnJKbmYteU9qSktKdnF5eXVUZzRzcjRadDg5NG8xeE1GRUF5OUlHelRCMGwwNF92ZkFEMng?oc=5) · The Business Journals
- 2023-10-17 [What Alabama banks are doing to attract customers in a tech-driven world - Business Alabama Magazine](https://news.google.com/rss/articles/CBMiowFBVV95cUxQcTdkOEwxZkx2YzJadmYwMnhCWDNIZnd2dUxjUXk0ZEI0Y0ZoaldVTWZ4Z1p1LWdKMzF2MnFKdXFBa3pWWUltUnZHU2o2R1c2Q093MVphS3E5R0dHU1ZJNDlXXy1XZ3kwZTFoU2wzM1NtYUFrQzFGUzlGa1VvVDdMbldvRHZBNmRzUUQ0UmFOTDRCVVJvZGJmSEx4YTZOR2FHTFY4?oc=5) · Business Alabama Magazine
- 2019-05-01 [Hancock Whitney acquires Louisiana bank - Sun Herald](https://news.google.com/rss/articles/CBMibkFVX3lxTFB5STY2MzZNWWJOcUpnSUxfMTVwNENlWVh2b1ZfMkNjWmpqcDROdzU3ZlVIT1pMMk1jMW1uMk14ZURPcExKY1FMdmNPdHd4Z1U1Wmplb1h4eDZ0Z0l0T29CLTh4RFhPMGJXMUZlQS1n0gFuQVVfeXFMUGZuQm1MVVBUM25mWDBaRkVqSHJKTVVqdE9iRHQ0TUlZc1p1NzE5cWhvV0NSdFdvbEpkREg5WDFSeHcweEIweDE5cUhfUE9qVVJsVVNuQ2VOa3ltWWhZUUR1cEg3aUhFWDAxd3dub1E?oc=5) · Sun Herald
- 2023-07-19 [Former banking data center in Alabama to become library - Data Center Dynamics](https://news.google.com/rss/articles/CBMioAFBVV95cUxPOENFOHhfVWVkTUtDd3JTTks4Y0JBQXRSLXVEZzhpTm1CV0VKMjJ0bWVObVNpeEwtOVQ5QnZ3SEZTUjNBQjZQbERKQmhETXBjSHVPN2FUMVNERm9sdU0zcmd2a0ZDMUtVc2dZaGw1Z00yLXN3dzZwUENVb3RVTWtIZUhWY21BWXdFUzhFRU5tNDRlZW1IUk9NbFZoQ2VKNHBQ?oc=5) · Data Center Dynamics
- 2018-12-21 [Acadiana newsmakers: Amanda Quebedeaux named senior VP, director of loan operations at MidSouth Bank - theadvocate.com](https://news.google.com/rss/articles/CBMipgJBVV95cUxOZTRHYzZYellhNU81X0paN19Ha1BiR3JTYmF1OUFZZDFlVXprU1l1bXcwUE1sMElzbkVLUHhFVjRLVkhXZk5oc3RiVVBpYXhBSS1Kb3JsMHFmUDd6VjN6MkYtUWhHOFBWa1phN3ZiNUtmbk5vSS1JYk4ycHNkWFlpcHpYUWVOYTZpYklMSmxZSnlERnpPTXpDbFlhcmxjMjBvZ0xHcWJoVFFsNjJmOFhzRTMzZ2dMaU53LWY2aWREMWZCQjJyWlJRbm9SM24xUFFBcF9OT1ZheTBrbklPX0Q1UmhmNzZBZVdNYUQzYk5TSW5EME1qOF9tdXFnQ1ltZGlZNnU1VHZUSWxHejdsQk8yUEdiOGFrOHRrT3NuN0ZyZTNRS0pFUWc?oc=5) · theadvocate.com
- 2022-05-03 [UPDATE: Suspect nabbed in Ashford bank robbery - WTVY](https://news.google.com/rss/articles/CBMikwFBVV95cUxOOHhYQmhTa3pxZkxxTjI2bVZVeXdraEg1dHpmOEQwMUhwREROd0hua05OZ1MwTUhnNF9kTDVMT1lRVWVjRFVEQzhwa0lWWks1R2RnUU9IYUZMR3pBd2dDNTQ4Y1RHNnhpQThnSjltTWFqMFkyT20xZEM5QnFNNnhGanlFaUVBbS02WU1FY25SQ3FyU2PSAacBQVVfeXFMTkY0amJGblpXcnFwZmdSUDNZdEhxOGRNNi1yU0tISmllYV9RSDJaazZZTmYybzhqbzVSVU9INzVHZ1lpTDBmeGRDUVFPcTFYSmtRRFlYOVg4NHFNSzNLZEJSM1RfLTF4cXZsMVVSS0tyenpURGJoam5WWTEwR0I1a0xocVJudkI5M0ZjQmwtdHlrelptN2NhT09MQmEtd24zbFJ6UjdRSFU?oc=5) · WTVY
- 2022-04-18 [Mark Siner - Business Alabama Magazine](https://news.google.com/rss/articles/CBMiUEFVX3lxTE81ZmJ5dGVpZkVOcWpvQTFSbWJsdUltRHByV0hNV2l1SG90UEFfdTE5dTNWUmdvU1JlbUk2VV9RZjVLX1pROVROQVNadTAtVVZ1?oc=5) · Business Alabama Magazine
- 2018-11-16 [Acadiana newsmakers: MidSouth Bank names Jana Manley senior VP - theadvocate.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxQeUo2dm14WFBBSmlMYVEyanQ1V3VJaTNhM3hCTWRvV25pWmNSTEZwcEFvc3laeWhqLXVvYUM2RTBFdDJ0em1ZTFpKVjF5bVRRMThGS01xc3RPSnlrTDE3TUFCWXEtVEVvalBqZlhDLTJ3VTBkSUdtT2ZYcldHYUhMN05OU05OTlA4akI5SVNxb3RZMzE2SFptWlVRR0tnM3llOVJjUDdYSWJBZDdGOGJrZ01pODFzaGFqdGpiZy01WmIwb1BnQVV5RE5nLV9DcjFLSUZYazlEQThlN1U0bUtuM1ZOUVRiSjFReFRDTWgxTWg4ZVVv?oc=5) · theadvocate.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2777 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/25.json (key "2777", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide