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 | |