SOUTHPOINT BANK

BIRMINGHAM, AL | Large | Est. Oct. 11, 2005, midnight | FDIC #58088 | RSSD #3386536 | FDIC
Latest Report: 2025-12-31

SOUTHPOINT BANK is aln large FDIC-insured commercial bank headquartered in BIRMINGHAM, AL, established in Oct. 11, 2005, midnight. As of 2025-12-31, the bank reported total assets of $1.6B and total deposits of $1.4B. Profitability stands at -4.03% ROA and -50.88% ROE, with a net interest margin of 3.28%. The bank's CET1 capital ratio is 9.26%. Asset quality metrics show a non-performing loan ratio of 3.37% and a Texas Ratio of 29.07%. FDIC Certificate #58088.

Assets

$1.6B

Deposits

$1.4B

Loans

$1.2B

Equity

$117M

Profitability

Return on Assets (ROA) -4.03%
Return on Equity (ROE) -50.88%
Net Interest Margin (NIM) 3.28%
Yield on Assets 6.37%
Cost of Funds 3.15%

Asset Quality

NPL Ratio 3.37%
Net Charge-Off Ratio 1.88%
Texas Ratio 29.07%
NPA Ratio 2.69%
ACL / Loans 2.30%

Capital & Liquidity

CET1 Ratio 9.26%
Tier 1 Capital 9.26%
Total Capital Ratio 10.52%
Leverage Ratio 7.07%
Loan-to-Deposit 83.49%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required