MidSouth Bank is a state-chartered bank headquartered in Dothan, Alabama, in business for about 114 years. At the end of Q2 2026 it reported $771.5M in total assets and $702.8M in deposits, with 14 offices across 2 states.
MidSouth Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 63rd. Problem-loan coverage contributes the most (96/100, 1.8%); capital cushion contributes the least (43/100, 9.30%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (67 → 66).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 68 |
| Q4 2024 | 69 |
| Q1 2025 | 68 |
| Q2 2025 | 67 |
| Q3 2025 | 65 |
| Q4 2025 | 65 |
| Q1 2026 | 65 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.33% |
| Q3 2024 | 9.18% |
| Q4 2024 | 9.50% |
| Q1 2025 | 9.26% |
| Q2 2025 | 9.06% |
| Q3 2025 | 9.01% |
| Q4 2025 | 8.99% |
| Q1 2026 | 9.19% |
| Q2 2026 | 9.30% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.09% |
| Q3 2024 | 0.06% |
| Q4 2024 | 0.06% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.29% |
| Q4 2025 | 0.30% |
| Q1 2026 | 0.29% |
| Q2 2026 | 0.28% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.76% |
| Q3 2024 | 0.76% |
| Q4 2024 | 0.77% |
| Q1 2025 | 0.75% |
| Q2 2025 | 0.78% |
| Q3 2025 | 0.84% |
| Q4 2025 | 0.84% |
| Q1 2026 | 0.77% |
| Q2 2026 | 0.82% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $771.5M | 9.30% | 0.28% | 0.82% | 62.6% |
| Q1 2026 | 65 | $746.5M | 9.19% | 0.29% | 0.77% | 63.9% |
| Q4 2025 | 65 | $762.3M | 8.99% | 0.30% | 0.84% | 62.1% |
| Q3 2025 | 65 | $730.0M | 9.01% | 0.29% | 0.84% | 64.2% |
| Q2 2025 | 67 | $730.4M | 9.06% | 0.05% | 0.78% | 63.7% |
| Q1 2025 | 68 | $712.3M | 9.26% | 0.05% | 0.75% | 63.7% |
| Q4 2024 | 69 | $693.6M | 9.50% | 0.06% | 0.77% | 62.5% |
| Q3 2024 | 68 | $652.5M | 9.18% | 0.06% | 0.76% | 65.7% |
| Q2 2024 | 68 | $675.8M | 9.33% | 0.09% | 0.76% | 62.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Community Bank of Central AlabamaBank Wetumpka, AL | 74 out of 100, Strong | $694.3M | 8.6% | 0.10% | vs |
| First Southern BankBank Florence, AL | 18 out of 100, Low | $679.2M | 8.9% | 10.86% | vs |
| CCB Community BankBank Andalusia, AL | 79 out of 100, Strong | $661.9M | 10.5% | 0.19% | vs |
| The Hometown Bank of AlabamaBank Oneonta, AL | 57 out of 100, Moderate | $660.7M | 11.1% | 2.03% | vs |
| Central State BankBank Calera, AL | 74 out of 100, Strong | $890.7M | 9.0% | 0.16% | vs |
| Traditions BankBank Cullman, AL | 65 out of 100, Moderate | $890.9M | 10.5% | 0.80% | vs |
Deposit insurance
Is my money safe at MidSouth Bank?
Yes. MidSouth Bank is an FDIC-insured institution (FDIC certificate #2777). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 40.9% of deposits ($287.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.30%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.20% (benchmark: 10%).
14 locations
Branches
MidSouth Bank lists 14 offices in 10 cities across 2 states. Most locations:
- Dothan, AL (4)
- Tallahassee, FL (2)
- Ashford, AL (1)
- Auburn, AL (1)
- Clayton, AL (1)
- Eufaula, AL (1)
- Fort Walton Beach, FL (1)
- Panama City, FL (1)
- Panama City Beach, FL (1)
- Pensacola, FL (1)
Identity & history
Profile
- Legal name
- MidSouth Bank
- Former names
- The First National Bank of Ashford; MidSouth Bank, National Association
- Type
- State-chartered bank
- FDIC certificate #
- 2777
- RSSD ID
- 929932
- Primary regulator
- FDIC
- Holding company
- Midsouth Bcorp
- Established
- January 1, 1912
- Headquarters
- 2526 W Main St, Dothan, AL 36301
- Website
- www.bankmidsouth.com
- Employees
- 137
Quick answers
MidSouth Bank: common questions
Is MidSouth Bank FDIC insured?
Yes. MidSouth Bank is an FDIC-insured institution (FDIC certificate #2777). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is MidSouth Bank's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has MidSouth Bank ever failed?
There is no failure record for FDIC certificate #2777 in the FDIC failed bank list.
How many branches does MidSouth Bank have?
14 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Dothan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Friend BankBank Slocomb, AL | 85 out of 100, Very strong | $221.0M | 13.5% | 0.48% | vs |
| BankSouthBank Dothan, AL | 84 out of 100, Strong | $221.5M | 19.1% | 0.02% | vs |
| Southern Energy Credit UnionCredit union Birmingham, AL | 84 out of 100, Strong | $3.6B | 14.6% | 0.23% | vs |
| Georgia Community BankBank Albany, GA | 78 out of 100, Strong | $375.0M | 13.7% | 1.25% | vs |
| The First National Bank of HartfordBank Hartford, AL | 75 out of 100, Strong | $173.0M | 12.9% | 1.19% | vs |
| Peoples Bank of GracevilleBank Graceville, FL | 75 out of 100, Strong | $115.8M | 10.3% | 0.34% | vs |