Is Midsouth Bank Safe?
Midsouth Bank has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (51/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 11.95% | 77/100 |
| Nonperforming Loan Ratio | 0.09% | 98/100 |
| Liquidity Ratio | 35.17% | 100/100 |
| Return on Assets | 0.77% | 51/100 |
| Total Assets | $0.7B | |
How does Midsouth Bank compare?
With a Bank Health Score of 86/100, Midsouth Bank sits 16.0 points above the national average of 70/100 for FDIC-insured banks. Within Alabama, where 78 FDIC-insured banks are headquartered, Midsouth Bank ranks above the state average of 66/100 (Grade B).
The bank's Tier 1 capital ratio of 11.95% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.09% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Midsouth Bank's Bank Health Score fell by 6.0 points to 86/100. Tier 1 capital weakened by 1.70 percentage points to 11.95%. Quarter-over-quarter, the score fell by 2.0 points.
Midsouth Bank has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (51/100).