Bank Comparison
Bankers' Bank vs Southpoint Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 7
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Bankers' Bank | Southpoint Bank |
|---|---|---|
| CET1 Ratio | 15.63% | 9.69% |
| Tier 1 Capital Ratio | 15.63% | 9.69% |
| Total Capital Ratio | 16.83% | 10.96% |
| Tier 1 Leverage Ratio | 14.72% | 7.53% |
| Equity / Assets | 13.23% | 8.02% |
Profitability
| Metric | Bankers' Bank | Southpoint Bank |
|---|---|---|
| Return on Assets (ROA) | 0.90% | -0.27% |
| Return on Equity (ROE) | 6.53% | -3.34% |
| Net Interest Margin (NIM) | 2.61% | 3.04% |
| Yield on Earning Assets | 4.98% | 5.78% |
| Cost of Funds | 2.59% | 2.83% |
Asset quality
| Metric | Bankers' Bank | Southpoint Bank |
|---|---|---|
| Texas Ratio | 7.86% | 37.34% |
| Non-Performing Loan Ratio | 1.36% | 3.94% |
| Non-Performing Asset Ratio | 1.06% | 3.31% |
| Net Charge-Off Ratio | 0.07% | 0.09% |
| ACL / Loans | 1.34% | 2.95% |
Balance sheet
| Metric | Bankers' Bank | Southpoint Bank |
|---|---|---|
| Total Assets | $1,446M | $1,444M |
| Total Deposits | $904,853K | $1,318M |
| Total Loans | $1,124M | $1,133M |
| Total Equity | $191,340K | $115,835K |
| Net Income (quarter) | $3,102K | $-973 |
Liquidity & funding
| Metric | Bankers' Bank | Southpoint Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 124.24% | 85.97% |
| Core Deposit Ratio | 100.00% | 83.55% |
| Uninsured Deposit Ratio | 60.79% | 12.74% |
Identity
| Metric | Bankers' Bank | Southpoint Bank |
|---|---|---|
| Headquarters City | MADISON | BIRMINGHAM |
| Headquarters State | WI | AL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 1 | 11 |
| Employees (FTE) | 131 | 129 |
| Established | Sept. 1, 1981, midnight | Oct. 11, 2005, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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