Bank Comparison
Malaga Bank, FSB 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 | Malaga Bank, FSB | Southpoint Bank |
|---|---|---|
| CET1 Ratio | 27.57% | 9.69% |
| Tier 1 Capital Ratio | 27.57% | 9.69% |
| Total Capital Ratio | 28.01% | 10.96% |
| Tier 1 Leverage Ratio | 16.60% | 7.53% |
| Equity / Assets | 16.56% | 8.02% |
Profitability
| Metric | Malaga Bank, FSB | Southpoint Bank |
|---|---|---|
| Return on Assets (ROA) | 1.74% | -0.27% |
| Return on Equity (ROE) | 10.57% | -3.34% |
| Net Interest Margin (NIM) | 3.45% | 3.04% |
| Yield on Earning Assets | 5.13% | 5.78% |
| Cost of Funds | 1.96% | 2.83% |
Asset quality
| Metric | Malaga Bank, FSB | Southpoint Bank |
|---|---|---|
| Texas Ratio | 0.00% | 37.34% |
| Non-Performing Loan Ratio | 0.00% | 3.94% |
| Non-Performing Asset Ratio | 0.00% | 3.31% |
| Net Charge-Off Ratio | 0.00% | 0.09% |
| ACL / Loans | 0.31% | 2.95% |
Balance sheet
| Metric | Malaga Bank, FSB | Southpoint Bank |
|---|---|---|
| Total Assets | $1,442M | $1,444M |
| Total Deposits | $940,516K | $1,318M |
| Total Loans | $1,234M | $1,133M |
| Total Equity | $238,756K | $115,835K |
| Net Income (quarter) | $6,257K | $-973 |
Liquidity & funding
| Metric | Malaga Bank, FSB | Southpoint Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 131.29% | 85.97% |
| Core Deposit Ratio | 87.60% | 83.55% |
| Uninsured Deposit Ratio | 27.58% | 12.74% |
Identity
| Metric | Malaga Bank, FSB | Southpoint Bank |
|---|---|---|
| Headquarters City | PALOS VERDES ESTATES | BIRMINGHAM |
| Headquarters State | CA | AL |
| Asset Tier | Large | Large |
| Charter Class | 708089 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 5 | 11 |
| Employees (FTE) | 74 | 129 |
| Established | March 8, 1985, 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.
View full Malaga Bank, FSB profile | View full Southpoint Bank profile | Browse all bank comparisons