Compared with Alabama
4 of 10
compared fees are above the median.
5 below, 1 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
36th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Alabama median
of 10 compared; 5 below, 1 about the same
See the feesFee schedule read Oct 9, 2026
Call-report figures are for MidSouth Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Alabama median | Published fees above the Alabama median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | MidSouth Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 9, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.6% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (36th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $111K in Q2 2026, 5.7% above the same quarter a year earlier ($105K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
4 of 10 compared published fees sit above the Alabama median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Alabama medians for fees published by banks and credit unions.
Overdraft (OD)
Stop Payment
Wire Transfer (Int'l Out)
Compared at $35, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 13% from Q3 2025 to Q2 2026, to $111K. Its share of revenue, 1.6%, is below the 2.1% median for banks with $300M to $1B in assets.
$111K
MidSouth BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
MidSouth Bank · $771M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| MidSouth Bank(this institution) | Dothan, AL | $771M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| BAC Community Bank | Stockton, CA | $762M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| CFSBANK | Charleroi, PA | $773M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| City State Bank | Norwalk, IA | $788M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Clinton Savings Bank | Clinton, MA | $745M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Commerce Bank | Laredo, TX | $762M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Community Bank | Chatsworth, GA | $755M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Savings Bank of Hegewisch | Chicago, IL | $787M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| First Western Bank | Booneville, AR | $793M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| FNB Bank, Inc. | Mayfield, KY | $770M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Franklin Savings Bank | Farmington, ME | $787M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Harford Bank | Aberdeen, MD | $777M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Home State Bank, National Association | Crystal Lake, IL | $776M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Industrial Bank | Washington, DC | $774M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Itasca Bank & Trust Co. | Itasca, IL | $771M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Midwest Heritage Bank, FSB | West Des Moines, IA | $768M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Millennium Bank | Ooltewah, TN | $781M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mission Valley Bank | Sun Valley, CA | $782M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| People's Bank of Commerce | Medford, OR | $777M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Quontic Bank | Astoria, NY | $787M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sauk Valley Bank & Trust Company | Sterling, IL | $791M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Savers Co-operative Bank | Southbridge, MA | $783M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Bank of Canton | Canton, MA | $783M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Peoples Bank, Biloxi, Mississippi | Biloxi, MS | $771M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| United Valley Bank | Cavalier, ND | $752M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| West Plains Bank and Trust Company | West Plains, MO | $768M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8.95 among 17 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
MidSouth Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for MidSouth Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $111K | +$4K | +3.7% |
| Q1 2026 | $107K | −$3K | −2.7% |
| Q4 2025 | $110K | +$12K | +12.2% |
| Q3 2025 | $98K | −$7K | −6.7% |
| Q2 2025 | $105K | −$7K | −6.3% |
| Q1 2025 | $112K | +$3K | +2.8% |
| Q4 2024 | $109K | +$5K | +4.8% |
| Q3 2024 | $104K | −$13K | −11.1% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, MidSouth Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to MidSouth Bank by share.
Amounts from MidSouth Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
per item · Commercial checking per check debit
per item
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee, per month | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research Fee, per hour | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Statement Balancing | $10Inside the U.S. middle 50% ($6.25 to $25 nationally) | varies | Per hour |
Overdraft & NSF | |||
| Paid Item Fee (Overdraft Fee), per item, per presentment (1)(2) | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer, each, International, In & Out, Foreign Currency | $30Below the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| Wire Transfer, each, International, In & Out, US Dollars | $40Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s Check (Customer) | $7Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Cashier’s Check (Non-Customer) | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order (Customer) | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Money Order (Non-Customer) | $10Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Per check debit fee | $0.14Below the U.S. middle 50% ($0.20 to $18.69 nationally) | per item | Commercial checking per check debit |
| Stop Payment Fee, per item | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Collection Item | $10Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Digital & Electronic | |||
| ACH origination / file transfer (per cycle) | $50Not compared: Monthly charge, not per item | per month | None |
Cash & Deposit | |||
| Return Deposit Item Fee, per item | $10Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Other Fees | |||
| Document Copies, per page | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Duplicate Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Printout | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
per item · Commercial checking per check debit
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee, per month | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research Fee, per hour | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Statement Balancing | $10Inside the U.S. middle 50% ($6.25 to $25 nationally) | varies | Per hour |
Overdraft & NSF | |||
| Paid Item Fee (Overdraft Fee), per item, per presentment (1)(2) | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer, each, International, In & Out, Foreign Currency | $30Below the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| Wire Transfer, each, International, In & Out, US Dollars | $40Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s Check (Customer) | $7Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Cashier’s Check (Non-Customer) | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order (Customer) | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Money Order (Non-Customer) | $10Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Per check debit fee | $0.14Below the U.S. middle 50% ($0.20 to $18.69 nationally) | per item | Commercial checking per check debit |
| Stop Payment Fee, per item | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Collection Item | $10Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Digital & Electronic | |||
| ACH origination / file transfer (per cycle) | $50Not compared: Monthly charge, not per item | per month | None |
| Small Business Bill Pay | $8.95 | varies | Per cycle |
| Small Business Bill Pay (per cycle) | $8.95 | per month | None |
Cash & Deposit | |||
| Return Deposit Item Fee, per item | $10Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Other Fees | |||
| Document Copies, per page | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Duplicate Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Printout | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 9, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where MidSouth Bank operates, and what regulators and customers have on file.
Branch footprint
14 offices in 2 states, $702.8M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 5 | $299.3M | |
| Outside a metro area | 2 | $188.7M |
| 2 | $75.8M | |
| 1 | $55.4M | |
| 2 | $35.4M | |
| 1 | $28.3M | |
| 1 | $20.0M |
Dothan, AL
6.4% of bank deposits, #4 of 18, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| ServisFirst Bank | 22.9% |
| Regions Bank | 14.1% |
| Wells Fargo Bank, National Association | 9% |
| HNB First Bank | 5.2% |
| PeoplesSouth Bank | 4.5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Dothan, AL, MidSouth Bank holds 6.4% of bank deposits, #4 of 18, with 5 offices.
74 offices of 24 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 18 institutions shown. $4.7B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 6.4% share, 5 offices, #4 of 18
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
26 offices of 6 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.