| Metric | MidSouth Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +4.9% | +0.7 pts |
| Deposit growth (YoY) | +5.0% | +4.3% | +0.7 pts |
| Loan growth (YoY) | +3.1% | +5.3% | -2.2 pts |
| ROA | 0.82% | 1.28% | -0.5 pts |
| ROE | 10.0% | 12.4% | -2.4 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $771.5M | $702.8M | $439.9M | $63.7M | $3.1M | 0.82% | 3.67% | 0.16% |
| Q1 2026 | $746.5M | $679.9M | $434.7M | $61.3M | $1.4M | 0.77% | 3.60% | 0.17% |
| Q4 2025 | $762.3M | $695.3M | $431.6M | $62.7M | $6.1M | 0.84% | 3.51% | 0.17% |
| Q3 2025 | $730.0M | $666.2M | $427.8M | $59.5M | $4.5M | 0.84% | 3.51% | 0.18% |
| Q2 2025 | $730.4M | $669.3M | $426.4M | $56.1M | $2.8M | 0.78% | 3.46% | 0.03% |
| Q1 2025 | $712.3M | $655.3M | $417.5M | $53.7M | $1.3M | 0.75% | 3.44% | 0.03% |
| Q4 2024 | $693.6M | $638.4M | $398.7M | $51.4M | $5.1M | 0.77% | 3.45% | 0.03% |
| Q3 2024 | $652.5M | $595.2M | $391.1M | $53.5M | $3.7M | 0.76% | 3.40% | 0.04% |
Loan mix (Q2 2026): real estate $393.7M · commercial $47.8M · consumer $3.6M · securities $219.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | MidSouth Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 1.28% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 12.4% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.3% | 61.2% | 85th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | MidSouth Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | MidSouth Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | MidSouth Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | MidSouth Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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