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Southpoint Bank
Birmingham, AL · FDIC Certificate #58088 · Chartered 10/1
Total assets
$1.36B
Total deposits
$1.25B
Total equity
$104.51M
Net loans
$1.04B
Branches (offices)
11
Net income (YTD)
-$12.42M
Rank: #811 of 4,213 U.S. banks by assets · #12 of 93 in Alabama. Assets changed -18.8% and deposits -18.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -1.71% |
| Return on equity | -22.09% |
| Net interest margin (YTD) | 3.26% |
| Equity to assets | 7.68% |
| Tier 1 leverage ratio | 6.86% |
| Uninsured deposits (share of deposits) | 13.3% |
| Noncurrent loans (share of loans) | 3.54% |
| Net charge-offs (share of loans) | 4.19% |
| Loans to deposits | 83.0% |
| Real estate loans (share of loans) | 80.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $828.29M | 80.0% | |
| Commercial & industrial | $198.07M | 19.1% | |
| Consumer / individual | $4.78M | 0.5% | |
| Construction & development | $106.14M | 10.2% | |
| Agricultural | $1.60M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.09B | $933.10M | $5.58M | $110.01M |
| Jun 2023 | $1.51B | $1.09B | $8.71M | $133.72M |
| Jun 2024 | $1.75B | $1.50B | $8.96M | $144.52M |
| Jun 2025 | $1.68B | $1.54B | $4.60M | $129.15M |
| Jun 2026 | $1.36B | $1.25B | -$12.42M | $104.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $1.25B | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.25B.
Similar-sized banks
First Bank Of Alabama ($1.36B) · Century Bank ($1.36B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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