Southpoint Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Retained earnings: 41.0% lower than in Q1 2026, at $17.3M. Southpoint Bank has the 1st lowest CET1 ratio of the 36 banks headquartered in Alabama, at 8.91% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Southpoint Bank sits 4.57 points lower, at 8.91% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 8.91% |
| Tier 1 risk-based capital ratio | 8.91% |
| Total risk-based capital ratio | 10.18% |
| Tier 1 leverage ratio | 6.86% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $94.7M |
| Tier 1 capital | $94.7M |
| Total risk-based capital | $108.2M |
| Total equity capital | $104.5M |
| Risk-weighted assets | $1.06B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.68% |
| Tangible equity to tangible assets | 6.72% |
| Equity capital to average assets | 7.48% |
| Internal capital growth rate | -41.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.1M |
| Common stock surplus | $92.3M |
| Retained earnings | $17.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.01% | — |
| Q4 2023 | — | — | — | 8.37% | — |
| Q1 2024 | — | — | — | 8.19% | — |
| Q2 2024 | 8.95% | 8.95% | 10.20% | 8.11% | $1.54B |
| Q3 2024 | 9.21% | 9.21% | 10.46% | 8.12% | $1.55B |
| Q4 2024 | 7.98% | 7.98% | 8.90% | 6.72% | $1.51B |
| Q1 2025 | 8.19% | 8.19% | 9.32% | 6.91% | $1.50B |
| Q2 2025 | 8.73% | 8.73% | 9.79% | 7.09% | $1.43B |
| Q3 2025 | 9.61% | 9.61% | 10.87% | 7.73% | $1.32B |
| Q4 2025 | 9.26% | 9.26% | 10.52% | 7.07% | $1.20B |
| Q1 2026 | 9.43% | 9.43% | 10.70% | 7.34% | $1.13B |
| Q2 2026 | 8.91% | 8.91% | 10.18% | 6.86% | $1.06B |
Southpoint Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Southpoint Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Southpoint Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58088) · FFIEC NIC profile (RSSD 3386536)