MidSouth Bancorp is a financial holding company. The Company operates through its wholly owned bank subsidiary, MidSouth Bank, N.A. The Bank is community oriented and focuses primarily on offering commercial and consumer loan and deposit services to small and middle market businesses, their owners and employees, and other individuals. Deposit products and services offered by the Bank include interest-bearing and noninterest-bearing checking accounts, investment accounts, cash management services and electronic banking services, including remote deposit capturing services, Internet banking, and debit and credit cards. The Bank’s deposit accounts are FDIC-insured up to the maximum allowed, and it operates over 50,000 surcharge-free ATMs. Loans offered by the Bank include commercial and industrial loans, commercial real estate loans (both owner-occupied and non-owner occupied), other loans secured by real estate and consumer loans.