# MIDSOUTH BANK
MURFREESBORO, TN · FDIC certificate 57659 · asset band <$300M · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $281.1M | |
| Deposits | $244.3M | |
| Loans and leases | $198.8M | |
| Total equity | $28.5M | |
| Loans / deposits | 80.01% (p69 of band) | 70.22% |
| Liquid assets / assets | 24.96% (p28 of band) | |
| Uninsured deposits / deposits | 12.64% (p51 of band) | 12.36% |
| Brokered deposits | 6.49% | |
| Wholesale funding | 8.95% (p81 of band) | |
| FHLB advances / assets | 2.13% | |
| Tier 1 leverage | 10.44% (p51 of band) | 10.41% |
| Unrealized securities loss / equity | 0.30% (p52 of band) | 0.24% |
| AOCI / equity | 4.94% (p83 of band) | |
| ROA (annualized) | -0.55% (p4 of band) | 0.79% |
| Net interest margin | 3.86% (p64 of band) | 3.62% |
| Efficiency ratio | 107.66% (p95 of band) | |
| Noncurrent loans | 1.34% (p62 of band) | 0.88% |
| Net charge-offs (annualized) | -0.11% (p5 of band) | |
| Reserve coverage of noncurrent | 123.31% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 154.95% (p99 of band) | |
| Auto loans | $207,000 (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.5% | |
| Employees | 95 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | noncurrent p90 |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | brokered >10% |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 2 | construction >100% equity | reserve under noncurrent |
| 2014-06 | 4 | losing money, expense ratio p90 |  |

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

- 2014-07-07 [MidSouth Bank joins Synergy - The Daily News Journal](https://news.google.com/rss/articles/CBMirgFBVV95cUxOUi03MmFiNnotSmNwRk1SQWl2RXB4WUlTa1pQc0prSzlJcTlqd3V5STBFYXN2WTBoS0o1cEJPYTM5UkxLYUpoMEVKZDhROEUxZ2FtalRId292cHkzMnYtaUg3NlBscmpFMnl2OThsUDB0S0R5cldUekNRSVdISW5QeG9aalN1eGdqcmpMQUpMakI0NmNCSlg5bVFsS3lPUHJrUHdvR1NlRVBZbjJzQVE?oc=5) · The Daily News Journal
- 2013-11-21 [Franklin Synergy Bank to acquire MidSouth Bank - Williamson Herald](https://news.google.com/rss/articles/CBMizwFBVV95cUxOY3g4YVA2cXVUZTZMNE1MRkRMeDlNUUl4Tl9sSUhoX0ZjYk5vR1BUbFljaW9wc19sQTBwVzVfbnBnTDhlT291WlhOVE40QmROcWZtX2pHYUFzam00a2RQS3R4dUdoWHNDa3JUa0I0VEJzWDVyZU5oeEF6UURnbkFtYnUwZGpWdW5STWdUQXYtWjVxZEtFOUNtY3BrdnFvbmdzbnJIZ1NUTVJDZXBxTFBvNDBmSkVKdkZ4Vy1pMmpWX00za296RUI2RG1JamJ2UU0?oc=5) · Williamson Herald
- 2023-11-09 [20 honored as Rising Stars of Banking 2023 - Business Alabama Magazine](https://news.google.com/rss/articles/CBMie0FVX3lxTE96VVlQaEdaZkF2SGRtZk9GbGdBT3pjcjQzajVMQWx6d0Znbld3UUZzSE9aUEFVaS1zY0NlTl9NcV9fb1RYUVo4OG5lV0kyaXRwSUxPTDN3Sm42SjVYa050VWMzYlJ3UFFOMmlUQkMweHdFR3Q1a2tfaUtEZw?oc=5) · Business Alabama Magazine
- 2019-08-12 [MidSouth Bank to lay off 90 workers amid acquisition by Hancock Whitney - The Advocate](https://news.google.com/rss/articles/CBMiggJBVV95cUxPOE95VFJoUVB1dWF3cURVejR5TFVkREdYQUNpLUhiSVV6R3VJUVBPcFNCLTBaV3pWWGkzaVlCTUVJTzUtWlVrN2ZWemJtVG9fMWdtRXh4bzVoelhQZ2ZPWkdxVGZwNXNDb2xTZXJ4RTMwYzFGVnpXWFViY3VfUVotR2tnYWJ5QWhRYnlXbFBjUld5eEpISy1GRXkxeGRqOHRRcm9YSVlaY0p6VTVvWm9oOVFTdk9ta0I0YWhsZVF5bElDUF84MEo4THF2YVZNLWd3NGk3a3FDXzdhbHNxS2tvMDFVcDR0QzJHaFBLd0FzaWxwOG1yUkd3amJWWEpvVC13dUE?oc=5) · The Advocate
- 2025-09-02 [Lee Moss Obituary September 2, 2025 - Woodfin Funeral Chapels](https://news.google.com/rss/articles/CBMiXkFVX3lxTE5WLWxqYlA2RDFqc2V0dG5hQTJPUW9kZm5EZ2VoRUdvRW8wOVQ4blplcEc0OW43cWFiaHdZc0s0NG5CVzZ5TWJvSmpLTWR5enhYV1lOR1RXS3dqVi1ldnc?oc=5) · Woodfin Funeral Chapels
- 2025-09-05 [Local Business Leader Lee Moss Passes Away at 74 - WGNS Radio](https://news.google.com/rss/articles/CBMikgFBVV95cUxOY2VkbVdPQ0JDaUdtWnlMWTlEM2dUN2J6Rk9XdWQ1eV9rbV93ZW1QRFd2ZGJNNGdwdDBPQTBwbTBvMjFBQ3BsMzE2Y1FVaHFRZmxSQ1h4THRScXBITFJ4T2Z4dXhvV3hVaFNEZzFwUHdjSzNFeVlIcGd1ZkJUSW4xRmVnb2Jfc3RMeVQ3cUowSjNtQdIBlwFBVV95cUxOeWxOWGZuRzlpcTUwMkdEc3dIZm4tN0k4c0hITmphNTRTcjczTHpJWDBCWjBfWTZxQmVIMkpKX1lJcTJlQWgwcDNYYVJadzlfVGtyN3l4NXVlSjdiUkNPbVM3YVdvUXJaN1RHZ0I2UDhwOThLQWktTk4taV9ZdkNqNmZQOElGVU0yeDFpTC14cjdBQXNLa1BJ?oc=5) · WGNS Radio
- 2014-05-19 [Wilson Bank & Trust looks at the future - The Tennessean](https://news.google.com/rss/articles/CBMikwFBVV95cUxPOUJfaDhIUUhLM2dJTUVLd05KZ2lJdlVHSTlTY2NneUJmVUtvaFg2ZGQ4c1NhUVB3MEJhbExYMDZob2JEOVJUd05KT3N5WEFVSm43QjV5T1A2VEwySERHYnd3cktxbnk0ZWk1OUx5MEszOE9EcUlUX0Q1a0h3R0piZlBEOGs4MzBHS2UtTXVNZExfWTQ?oc=5) · The Tennessean
- 2016-01-15 [Moves: Wilson Bank names successor to regional president - The Daily News Journal](https://news.google.com/rss/articles/CBMitAFBVV95cUxNUmpRT1ZsLTJ3dXdsR3dSWHV0Z0gwQzdsaXdHekYxSWV3dzVlNEM1SlA3MFl4RE91Tlc3bzZJcnE2QXVwX3dBa3NTWGNpWnVjQVV6Y2o2TXF2V21FZ0NUZ3A3UjVPVzc5Y3RVN29xbVR4cjhGS2s0cGNTTDhFMmlIWE1CMG1lSExtZW1mU0h3d1ctalp1UTZyWV9LdzZZWDg3bVZybFNndkZFZmlQekpHTXVSUmU?oc=5) · The Daily News Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57659 (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/59.json (key "57659", 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