Southpoint Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 22.62 percentage points higher than in Q1 2026, at 306.01%. Southpoint Bank ranks 20th of 93 Alabama banks on loan-to-deposit ratio, in the upper half at 85.38% (Q2 2026). 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.06B |
| Net loans and leases | $1.04B |
| Loans held for sale | $1.8M |
| Loans to total assets | 78.24% |
| Loan-to-deposit ratio | 85.38% |
| Net loans to equity capital | 9.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.98% |
| Multifamily (5+ residential) | 6.28% |
| Commercial and industrial | 18.60% |
| Consumer | 0.45% |
| Credit cards | 0.00% |
| Farm | 0.62% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.93% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 306.01% |
| Construction concentration (Tier 1 capital + allowance) | 85.67% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.35% |
| Interest income on loans | $17.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.40B | $1.23B | 22.85% | 31.02% | 0.68% |
| Q4 2023 | $1.48B | $1.38B | 25.98% | 33.03% | 0.64% |
| Q1 2024 | $1.56B | $1.39B | 28.10% | 33.94% | 0.56% |
| Q2 2024 | $1.55B | $1.50B | 27.47% | 32.87% | 0.54% |
| Q3 2024 | $1.55B | $1.63B | 27.57% | 31.82% | 0.54% |
| Q4 2024 | $1.50B | $1.62B | 28.68% | 29.86% | 0.54% |
| Q1 2025 | $1.48B | $1.65B | 28.60% | 30.02% | 0.55% |
| Q2 2025 | $1.44B | $1.54B | 28.92% | 28.96% | 0.46% |
| Q3 2025 | $1.33B | $1.45B | 33.13% | 25.47% | 0.42% |
| Q4 2025 | $1.20B | $1.44B | 34.45% | 23.76% | 0.42% |
| Q1 2026 | $1.13B | $1.32B | 37.28% | 20.44% | 0.44% |
| Q2 2026 | $1.06B | $1.25B | 37.98% | 18.60% | 0.45% |
Southpoint Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Southpoint Bank, freeSource: Call Report Schedule RC-C, 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)