Southpoint Bank
Southpoint Bank is the primary bank subsidiary of its parent holding company, headquartered in Birmingham, AL. On its most recent Q1 2026 call report, Southpoint reported $1.4B in total assets against $1.3B in deposits. The bank reported a loss in the most recent quarter, with ROA at -0.27% and ROE at -3.34%. Regulatory capital is solid — 9.69% CET1 and 10.96% total risk-based capital ratio. Asset quality is impaired, with nonperforming loans at 3.94%. Southpoint operates a 11-branch network.
Headquarters Profile
- Address
- 3501 Grandview Pkwy, BIRMINGHAM, AL 35243
- County
- Jefferson
- Metro Area
- BIRMINGHAM, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 5
- Established
- October 11, 2005
- Branches
- 11 domestic
- Employees (FTE)
- 129
- FDIC Cert
- 58088
- Fed RSSD
- 3386536
- Website
- http://www.southpoint.bank →
- Parent Holding Company
- SOUTHPOINT BANCSHARES, INC. (RSSD 4975049)
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
Southpoint Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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Frequently asked about Southpoint Bank
What are Southpoint Bank's total assets?
As of the Q1 2026 filing, Southpoint Bank reported total assets of $1.44 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Southpoint Bank headquartered?
Southpoint Bank is headquartered in BIRMINGHAM, AL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Southpoint Bank founded?
Southpoint Bank was established in 2005, per the FDIC institution directory.
Is Southpoint Bank FDIC-insured?
Yes. Southpoint Bank is an FDIC-insured commercial bank (FDIC Certificate #58088). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southpoint Bank?
Southpoint Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Southpoint Bank's CET1 capital ratio?
Southpoint Bank reported a Common Equity Tier 1 (CET1) capital ratio of 9.69% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does Southpoint Bank operate?
Southpoint Bank operates 11 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Southpoint Bank's Texas Ratio?
Southpoint Bank's Texas Ratio is 37.34% — within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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