Southpoint Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Core deposits to total deposits: 1.42 percentage points lower than in Q1 2026, at 60.06%. Within Alabama, Southpoint Bank is 20th of 93 on loan-to-deposit ratio, 85.38% as of Q2 2026, above the middle of the field. Southpoint Bank reported 85.38% on loan-to-deposit ratio for Q2 2026, 2.83 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $190.1M |
| Cash and noninterest-bearing balances to assets | 13.24% |
| Cash and securities | $235.4M |
| Fed funds sold and reverse repos | $10.0M |
| Fed funds sold and reverse repos to assets | 0.73% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.38% |
| Net loans and leases to deposits | 83.03% |
| Loans and leases to core deposits | 102.36% |
| Core deposits to total deposits | 60.06% |
| Brokered deposits to total deposits | 23.35% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 113.70% | 67.37% | $0 | $260.0M |
| Q4 2023 | 107.59% | 60.74% | $0 | $125.0M |
| Q1 2024 | 111.85% | 60.32% | $0 | $145.0M |
| Q2 2024 | 103.67% | 57.19% | $0 | $95.0M |
| Q3 2024 | 94.98% | 57.55% | $0 | $0 |
| Q4 2024 | 92.15% | 57.88% | $0 | $0 |
| Q1 2025 | 89.88% | 58.37% | $0 | $0 |
| Q2 2025 | 93.79% | 57.43% | $0 | $0 |
| Q3 2025 | 91.35% | 58.74% | $0 | $0 |
| Q4 2025 | 83.49% | 59.16% | $0 | $0 |
| Q1 2026 | 85.97% | 61.47% | $0 | $0 |
| Q2 2026 | 85.38% | 60.06% | $0 | $0 |
Southpoint Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Southpoint Bank, freeSource: Call Report Schedules RC and RC-M, 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)