Southpoint Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Southpoint Bank is a community bank chartered in 2005, based in Birmingham, AL. Southpoint's Q2 2026 balance sheet shows $1.4B in assets funded primarily by $1.2B in customer deposits. The bank reported a loss in the most recent quarter, with ROA at -3.28% and ROE at -41.56%. Capital cushions are healthy: 8.91% CET1, 6.86% Tier 1 leverage. Asset quality is impaired, with nonperforming loans at 3.66%. Its footprint covers 11 branches concentrated in Alabama.
As of June 30, 2026, Southpoint Bank reported a CET1 capital ratio of 8.91%, a return on assets of -3.28%, a nonperforming-loan ratio of 3.66%, a Texas ratio of 37.59%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 3501 Grandview Pkwy, Birmingham, AL 35243
- County
- Jefferson
- Metro Area
- Birmingham, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- October 11, 2005
- Offices
- 11 domestic
- Employees (FTE)
- 129
- Domestic deposits
- $1.25B
- Allowance for credit losses
- $29.2M
- Net charge-offs (YTD)
- $23.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 11, 2005
- FDIC Cert
- 58088
- Fed RSSD
- 3386536
- SEC CIK
- 1867954 → filed by SOUTHPOINT BANCSHARES, INC.
- Website
- http://www.southpoint.bank →
- Parent Holding Company
- SOUTHPOINT BANCSHARES, INC. (RSSD 4975049)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Southpoint Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Southpoint Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Southpoint Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Southpoint Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 8.91% | -3.28% | 3.66% | 37.59% | 3.08% |
| Q1 2026 | 9.43% | -0.27% | 3.94% | 37.34% | 3.04% |
| Q4 2025 | 9.26% | -4.03% | 3.53% | 33.84% | 3.07% |
| Q3 2025 | 9.61% | 0.53% | 3.86% | 43.17% | 3.37% |
| Q2 2025 | 8.73% | 0.54% | 2.85% | 31.75% | 3.27% |
| Q1 2025 | 8.19% | 0.49% | 3.15% | 36.24% | 2.93% |
| Q4 2024 | 7.98% | -4.75% | 1.76% | 26.06% | 2.99% |
| Q3 2024 | 9.21% | 1.03% | 1.22% | 14.56% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 11 branches →
| 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 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 6, 2022 | Structure Change | Acquired Merchants Bank of Alabama Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 5, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Southpoint Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- August 14, 2026, Federal Reserve: Written Agreement: SouthPoint Bancshares, Inc., Birmingham, Alabama
- Period: Most recent institution action August 14, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.9% of deposits in AL, rank 23 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 6 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2022-Q4 to 2026-Q2. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Southpoint Bank
What are Southpoint Bank's total assets?
As of the Q2 2026 filing, Southpoint Bank reported total assets of $1.36 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Southpoint Bank headquartered?
Southpoint Bank is headquartered in Birmingham, AL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Southpoint Bank founded?
Southpoint Bank was established in 2005, per the FDIC institution directory.
Is Southpoint Bank FDIC-insured?
Yes. Southpoint Bank is an FDIC-insured commercial bank (FDIC Certificate #58088). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southpoint Bank?
Southpoint Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Southpoint Bank's CET1 capital ratio?
Southpoint Bank reported a Common Equity Tier 1 (CET1) capital ratio of 8.91% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Southpoint Bank operate?
Southpoint Bank operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Southpoint Bank's Texas Ratio?
Southpoint Bank's Texas Ratio is 37.59% in its Q2 2026 call report, within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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