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Mid-Southern SB

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Mid-Southern SB Rates & Review May 2026

Q: How many branches does Mid-Southern SB operate?

Mid-Southern SB currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Mid-Southern SB does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mid-Southern SB provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 15, 2026

Mid-Southern SB's Personal Loan Rates are at 3.99%. MonitorBankRates evaluates the financial stability of Mid-Southern SB with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.44%. Rates were last updated on 05/15/2026.

Mid-Southern SB money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Mid-Southern SB? Share your experience about Mid-Southern SB by leaving a review below, or read customer reviews before you decide to use Mid-Southern SB.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.44%

Excellent Lower than avg

Mid-Southern SB

300 N Water St
Salem, IN 47167

Mid-Southern SB Auto Loan Rates

Product	Rate	Points	APR	Term	View More
As Low AS AUTO LOANS	-	-	3.99%
Details As Low As Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.44%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Mid-Southern SB is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Mid-Southern SB rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Mid-Southern SB's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Mid-Southern SB

Bank Holding Company MID-SOUTHERN BCORP INC

Address 300 N Water St, Salem, IN 47167 · Washington

Website https://www.mid-southern.com

FDIC Certificate # 30133

Established 01/01/1891

FDIC Insurance Date 08/09/1989

Domestic Offices 3

Total Branches 0

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.44%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7798%

Return on Equity (ROE) 6.6000%

Non-Performing Loans (NPL) 0.29%

Total Assets $227,969,000

Total Deposits $192,140,000

Equity Capital $34,917,000

Net Income $815,000

Headquarters Salem

Total Offices 3

Source: FDIC | Last Updated 03/31/2025

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Frequently Asked Questions About Mid-Southern SB

How many branches does Mid-Southern SB operate?

Mid-Southern SB currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Mid-Southern SB does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mid-Southern SB provides members with tools to manage their accounts and build a solid financial history.

Does Mid-Southern SB offer online and mobile banking?

Most modern institutions like Mid-Southern SB provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mid-southern.com.