Branch Network
Southpoint Bank Locations & Branches Birmingham, Alabama
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Southpoint Bank operates 11 branches from its headquarters in Birmingham, AL, .
Southpoint Bank branch network
All 11 branches are in ALABAMA, across 8 cities. Cullman, AL has the most of its branches, 3. Its largest office by deposits is its main office in Birmingham, AL, with $502.8M (40.3% of its branch deposits). It had the same number of branches on June 30, 2025.
Southpoint Bank at a glance
Its CET1 capital ratio was 8.91% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $1.36B
- CET1 ratio, Q2 2026
- 8.91%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 2005
Full financial profile · Is Southpoint Bank safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Birmingham, AL (2 branches) | 14 of 34 | 1.3% | $538.6M |
| State: AL (11 branches) | 23 of 131 | 0.9% | $1.25B |
Ranked by total assets among banks headquartered in the state: Largest banks in Alabama.
Share by county and metro area
Southpoint Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Jefferson, AL (5 branches) | 11 of 39 | 1.6% | $714.7M | $44.59B |
| Cullman, AL (4 branches) | 3 of 12 | 15.0% | $384.2M | $2.56B |
| Marshall, AL (1 branch) | 8 of 16 | 4.2% | $116.9M | $2.80B |
| Shelby, AL (1 branch) | 17 of 22 | 0.7% | $31.5M | $4.60B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Birmingham-Hoover, AL (6 branches) | 14 of 46 | 1.4% | $746.2M | $52.49B |
| Cullman, AL (4 branches) | 3 of 12 | 15.0% | $384.2M | $2.56B |
| Albertville, AL (1 branch) | 8 of 16 | 4.2% | $116.9M | $2.80B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Southpoint Bank (main office) | Birmingham, AL | 35243 | $502.8M |
| Merchants Bank Al Mo Branch | Cullman, AL | 35055 | $237.7M |
| Arab Branch | Arab, AL | 35016 | $116.9M |
| Gardendale Branch | Gardendale, AL | 35071 | $79.0M |
| Trussville Branch | Trussville, AL | 35173 | $78.0M |
| Hanceville Branch | Hanceville, AL | 35077 | $55.1M |
| Highway 157 Branch | Cullman, AL | 35058 | $54.1M |
| Fairview Branch | Cullman, AL | 35058 | $37.3M |
| Liberty Park Branch | Birmingham, AL | 35242 | $35.9M |
| Wilsonville Branch | Wilsonville, AL | 35186 | $31.5M |
| Homewood Branch | Homewood, AL | 35209 | $19.1M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 58088) · FFIEC NIC profile (RSSD 3386536)