Southpoint Bank
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
$1.4BAssets
$1.1BLoans
$1.2BDeposits
$104.5MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 28% of banks $1B-$10B in assets (rank 236 of 328).
- Widest gap: tier 1 capital ratio trails 100% of banks $1B-$10B in assets (rank 327 of 328).
- Overall: at or above the peer median on 0 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $25.0M · efficiency ratio beats 28% of banks $1B-$10B in assets | 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 |