BankSouth

Dothan, AlabamaFDIC Cert #77

STATEEstablished 19282 branches

Holding company: BANCSOUTH CORPRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$23.3M
Investor CRE	$18.8M
Multifamily	$0
Construction	$6.84M
1–4 family	$103M
C&I	$18.1M
Agriculture	$834K
Other	$2.48M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$173M

+5.5%y/y

Percentile by value83rd percentileby value

FDICLNLSGR

Net loans

$171M

+5.6%y/y

Percentile by value82nd percentileby value

FDICLNLSNET

Loans YoY

+5.60%

+473.6%y/y

Percentile by value53rd percentileby value

FDICLNLSNET

L/D

97.2%

+2.4%y/y

Percentile by value90th percentileby value

FDICLNLSNET + DEP

Loans/assets

78.3%

+2.5%y/y

Percentile by value85th percentileby value

FDICLNLSNET + ASSET

RE loans %

94.73%

+1.4%y/y

Percentile by value82nd percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

3,994points

+11.6%y/y

Peer standing14th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

13.45%

−8.3%y/y

Percentile by value69th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

10.83%

−13.3%y/y

Percentile by value63rd percentileby value

FDICLNRENROT + LNLSGR

C&I %

10.47%

−10.4%y/y

Percentile by value57th percentileby value

FDICLNCI + LNLSGR