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102 Versailles Blvd
Lafayette, LA 70501

MidSouth Bank, National Association is headquartered in Lafayette and is the 4th largest bank in the state of Louisiana. It is also the 380th largest bank in the nation. It was established in 1985 and as of June of 2014, it had grown to 557 employees at 61 locations. MidSouth Bank, National Association has a A health rating.

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Reviews (1)

The Slowest Bank I Have Ever Worked With - Houston, TX


As a SBA 504 BDO I referred a loan to this bank on December 2010.  It was approved on April 2011.  Construction was finished during winter 2012.  Today is March 28, 2013 and the bank, despite of my many e-mails and phone calls to the officers which are never answered, the interim loan (SBA portion) is still with the bank and they will not close on the permanent loans.

The borrower is paying interest on an interim loan which could already be going to the permanent SBA loan.

The original officer of the loan is no longer at the bank.  A new officer was made in charge.  He never returns calls or even replies to e-mails.  Very irresponsible bank.

I will not send another loan to them.  I am paid when the SBA loan portion is closed and funded and because of this slow moving institution I have worked since December 2010 on this loan and not seen my compensation.  Very frustrating. 


Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 MidSouth Bank, National Association had $11.9 million in non-current loans and owned real-estate with $224.84 million in equity and loan loss allowances on hand to cover it. This gives MidSouth Bank, National Association a Texas Ratio of 5.29% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for MidSouth Bank, National Association experienced no significant changes from 5.60% as of June 30, 2013 to 5.29% as of June 30, 2014, resulting in a positive change of 5.59%.This indicates that the balance sheet and financial strength for MidSouth Bank, National Association has had no significant changes in recent periods.

Deposit Growth


In the past year, MidSouth Bank, National Association has decreased its total deposits by -$3.08 million, resulting in -0.2% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth MidSouth Bank, National Association has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. MidSouth Bank, National Association has $1.89 billion in assets with $224.84 million in equity, resulting in a capitalization level of 11.88%, which is excellent.

Institution Statistics

FDIC Certificate #25884
Year Established1985
Primary RegulatorOCC
Assets and Liabilities
Assets$1.89 billion
Loans$1.22 billion
Deposits$1.54 billion
Equity Capital$215.77 million
Loan Loss Allowance$9.08 million
Unbacked Noncurrent Loans$5.58 million
Real Estate Owned$6.31 million
Historic Data - June 2013
Assets$1.86 billion
Equity Capital$210.14 million
Loan Loss Allowance$8.53 million
Unbacked Noncurrent Loans$5.58 million
Real Estate Owned$6.90 million
Profit Margin - Quarterly
Return on Assets1.24%
Return on Equity10.86%
Interest Income$41.00 million

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MidSouth Bank, National Association has 60 locations. Click to view all MidSouth Bank, National Association locations.