Midsouth Bank (FDIC #2777): Bank Stress & Real-Estate Credit Exposure
Midsouth Bank (FDIC Cert #2777): bank stress 80/100, severe, STABLE over 7 days; parent MIDSOUTH BCORP.
Midsouth Bank (#2777) lends in 7 counties across 2 states; Midsouth Bank (#2777) reaches 101 ZIP codes: Florida 4 counties, 63 ZIPs; Alabama 3 counties, 38 ZIPs.
Midsouth Bank (#2777) largest markets: Escambia County, FL (19 branches, 19 ZIPs) (#2777), Bay County, FL (32 branches, 16 ZIPs) (#2777), Lee County, AL (15 branches, 15 ZIPs) (#2777), Houston County, AL (70 branches, 14 ZIPs) (#2777), Leon County, FL (28 branches, 14 ZIPs) (#2777), Okaloosa County, FL (14 branches, 14 ZIPs) (#2777).
Midsouth Bank (#2777) reports $771.5 million in total assets; Midsouth Bank (#2777) equity $63.7 million (8.3% of Midsouth Bank (#2777) assets); Midsouth Bank (#2777) domestic deposits $702.8 million; Midsouth Bank (#2777) net income $3.1 million; Midsouth Bank (#2777) return on assets 0.82%; Midsouth Bank (#2777) return on equity 10.00%; Midsouth Bank (#2777) net interest income $12.8 million; Midsouth Bank (#2777) call report June 30, 2026.
Midsouth Bank (#2777) noncurrent real-estate loans: none reported; Midsouth Bank (#2777) net charge-offs on real estate 0.18%; Midsouth Bank (#2777) residential charge-offs 0.36%.
Midsouth Bank (#2777) net interest margin 3.67% against an eight-quarter Midsouth Bank (#2777) average of 3.51% (Midsouth Bank (#2777) compression -0.17 points); Midsouth Bank (#2777) non-residential real estate 35.8% of equity; Midsouth Bank (#2777) rate-exposure score 40/100, Midsouth Bank (#2777) fixed-rate trap 40/100; Midsouth Bank (#2777) risk type credit driven; Midsouth Bank (#2777) rate regime rates elevated, Midsouth Bank (#2777) snapshot October 19, 2026.
Midsouth Bank (#2777) stress score moved from 79.9 on June 22, 2026 to 80.2 on October 19, 2026; Midsouth Bank (#2777) ranged 79.9 to 80.2 over 116 snapshots.
Midsouth Bank (#2777) alerts: 7 counties; top Midsouth Bank (#2777) alert scores: Auburn County, AL 26 (low); Dothan County, AL 26 (low); Eufaula County, AL 26 (low); Fort Walton Beach County, AL 26 (low); Panama City Beach County, AL 26 (low).