Southpoint Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Return on equity dropped 38.22 percentage points in Q2 2026, from -3.34% to -41.56%. It was the largest change from Q1 2026 among the key lines here. Southpoint Bank has the 3rd lowest return on assets of the 93 banks headquartered in Alabama, at -3.28% as of Q2 2026. Against a median of 1.28% for banks in the $1B-10B asset tier, Southpoint Bank reported -3.28% on return on assets in Q2 2026, 4.55 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 8.91% |
| Tier 1 risk-based capital ratio | 8.91% |
| Total risk-based capital ratio | 10.18% |
| Tier 1 leverage ratio | 6.86% |
| Equity capital to assets | 7.68% |
| Tangible equity to tangible assets | 6.72% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.66% |
| Non-performing assets ratio | 3.29% |
| Net charge-off ratio | 8.46% |
| Texas ratio | 37.59% |
| Allowance for credit losses to loans | 2.74% |
| Reserve coverage of non-performing loans | 74.86% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -3.28% |
| Return on equity | -41.56% |
| Net interest margin | 3.08% |
| Efficiency ratio | 69.07% |
| Yield on earning assets | 5.84% |
| Cost of funds | 2.70% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.38% |
| Core deposits to total deposits | 60.06% |
| Brokered deposits to total deposits | 23.35% |
| Deposits to assets | 91.65% |
| Securities to assets | 3.33% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.01% | 1.34% |
| Q4 2023 | — | — | — | 8.37% | 0.88% |
| Q1 2024 | — | — | — | 8.19% | 1.15% |
| Q2 2024 | 8.95% | 8.95% | 10.20% | 8.11% | 0.98% |
| Q3 2024 | 9.21% | 9.21% | 10.46% | 8.12% | 1.03% |
| Q4 2024 | 7.98% | 7.98% | 8.90% | 6.72% | -4.75% |
| Q1 2025 | 8.19% | 8.19% | 9.32% | 6.91% | 0.49% |
| Q2 2025 | 8.73% | 8.73% | 9.79% | 7.09% | 0.54% |
| Q3 2025 | 9.61% | 9.61% | 10.87% | 7.73% | 0.53% |
| Q4 2025 | 9.26% | 9.26% | 10.52% | 7.07% | -4.03% |
| Q1 2026 | 9.43% | 9.43% | 10.70% | 7.34% | -0.27% |
| Q2 2026 | 8.91% | 8.91% | 10.18% | 6.86% | -3.28% |
Southpoint Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Southpoint Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)