Birmingham, AL · Cert 58088 · Southpoint Bancshares Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
3
Asset Quality
3
Profitability
9
Liquidity
89
Efficiency
28
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Birmingham, AL · Cert 58088 · Southpoint Bancshares Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Birmingham, AL · 2026 SOD (annual) · 1.4% share · #14 of 49 inst. · $0.7B of $53.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | -0.46% | 0.50% | 0.53% | 0.53% | -0.54% | -0.26% | -1.71% | -223 bps | |
| Return on Equity | 12.58% | -5.67% | 6.95% | 7.19% | 7.02% | -7.19% | -3.34% | -22.09% | -2,929 bps | |
| Net Interest Margin | 3.35% | 3.19% | 2.84% | 3.03% | 3.24% | 3.32% | 2.96% | 3.07% | +4 bps | |
| Efficiency Ratio | 52.81% | 52.78% | 60.35% | 57.92% | 57.38% | 58.63% | 61.24% | 65.28% | +736 bps | |
| Non-Interest Burden | 1.56% | 1.50% | 1.53% | 1.50% | 1.60% | 1.68% | 1.58% | 1.79% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.84% | 6.16% | 5.88% | -4.14% | -10.74% | -11.23% | -19.45% | -18.77% | -1,463 bps | |
| Loan Growth (YoY) | 10.67% | 0.98% | -4.70% | -7.13% | -14.09% | -19.89% | -23.65% | -26.11% | -1,897 bps | |
| Deposit Growth (YoY) | 32.47% | 17.90% | 18.60% | 2.64% | -10.67% | -11.58% | -20.18% | -18.82% | -2,146 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.41% | 1.75% | 3.17% | 2.83% | 4.45% | 3.40% | 4.18% | 3.54% | +71 bps | |
| Net Charge-Offs / Loans | 0.31% | 2.99% | 0.00% | 0.85% | 0.63% | 1.88% | 0.09% | 4.45% | +360 bps | |
| Allowance / Loans | 1.22% | 0.89% | 1.10% | 1.00% | 1.40% | 2.30% | 2.95% | 2.74% | +174 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.5x | 0.3x | 0.4x | 0.3x | 0.7x | 0.7x | 0.8x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.12% | 6.72% | 6.91% | 7.09% | 7.73% | 7.07% | 7.53% | 6.86% | -23 bps | |
| Total Risk-Based Capital | 10.46% | 8.90% | 9.32% | 9.79% | 10.87% | 10.52% | 10.96% | 10.18% | +39 bps | |
| Equity / Assets | 8.39% | 7.15% | 7.17% | 7.71% | 8.33% | 7.48% | 8.02% | 7.68% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.98% | 92.15% | 89.88% | 93.79% | 91.35% | 83.49% | 85.97% | 85.38% | -842 bps | |
| Liquid Assets / Assets | 4.19% | 6.12% | 8.24% | 4.98% | 6.82% | 6.53% | 8.89% | 12.74% | +777 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 543% | 566% | 549% | n/a | n/a | |
Birmingham, AL · Cert 58088 · Peer group: banks $1B-$10B in assets (n=322-328) · Southpoint Bancshares Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Return on Assets
-1.83%
Rank 327 of 328
Net Interest Margin
3.07%
Rank 241 of 328
Efficiency Ratio
65.81%
Rank 236 of 328
Equity / Assets
7.68%
Rank 314 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.83% | 0.91% | 1.22% | 1.52% | Beats 0% | 327 / 328 | ||
| Return on Equity | -23.77% | 8.43% | 11.45% | 14.43% | Beats 0% | 327 / 328 | ||
| Net Interest Margin | 3.07% | 3.03% | 3.45% | 3.83% | Beats 27% | 241 / 328 | ||
| Efficiency Ratio | 65.81% | 51.61% | 59.56% | 67.53% | Beats 28% | 236 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.54% | 0.24% | 0.51% | 1.03% | Beats 3% | 314 / 322 | ||
| Net Charge-Offs / Loans | 2.25% | 0.01% | 0.03% | 0.10% | Beats 2% | 316 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.91% | 11.75% | 13.15% | 15.47% | Beats 0% | 327 / 328 | ||
| Total Risk-Based Capital Ratio | 10.18% | 12.63% | 14.15% | 16.46% | Beats 4% | 314 / 328 | ||
| Equity / Assets | 7.68% | 9.15% | 10.33% | 12.01% | Beats 4% | 314 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.38% | 76.63% | 87.92% | 95.36% | 44th pctl | 181 / 323 | ||
| Loans / Assets | 78.24% | 65.18% | 74.15% | 79.98% | 68th pctl | 105 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||