Total Assets
$1.6B
Total balance-sheet footings
FDIC Cert #58088 · Birmingham, Alabama · Est. 2005
SouthPoint Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $1.6B
- Total assets
- D
- Health grade · Weak
- -0.54%
- Return on assets
- 9.3%
- Tier 1 capital
Data updated July 2026
The verdict
SouthPoint Bank earns a PlainBankData health grade of D (40/100), with 9.26% Tier 1 capital, -0.54% ROA, efficient (59% cost ratio).
- #720
- largest of 4,313 FDIC banks by assets
- 83rd
- percentile by asset size, nationally
- 9.26%
- Tier 1 ratio - below the 10% well-capitalized line
- 3rd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How SouthPoint Bank's 40/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
SouthPoint Bank's composite health score
Tier 1 Capital Ratio (9.26%) 18/40
Return on Assets (ROA) (-0.54%) 0/25
Texas Ratio (28.24%) 10/20
Efficiency Ratio (58.63%) 12/15
40 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.4B
Customer-funded liabilities
Net Loans
$1.2B
Outstanding loan book
Net Income
$-9,102K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where SouthPoint Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. SouthPoint Bank's score of 40/100 falls in the highlighted band.
SouthPoint Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). SouthPoint Bank's $1.6B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.26% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.26%
Texas Ratio
28.24%
Equity Capital
$117M
Profitability metrics
Return on Assets (ROA)
3rd percentile nationally
-0.54%
Return on Equity (ROE)
-7.19%
Efficiency Ratio
58.63%
What the numbers say about SouthPoint Bank
SouthPoint Bank is an FDIC-insured institution (Certificate #58088) headquartered in Birmingham, Alabama, established in 2005. It holds $1.6B in total assets - 720th of 4,313 FDIC-insured banks, $1.4B in customer deposits, and $1.2B in net loans. Looking at capital strength, Tier 1 stands at 9.26%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 28.24%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of D (40/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Alabama, SouthPoint Bank ranks 9th of 94 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$105M
Interest Income
$9M
Non-Interest Income
$36M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. SouthPoint Bank reports a Texas Ratio of 28.24% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
28.24% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at SouthPoint Bank
SouthPoint Bank's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-9,102K for the period, a loss that, if sustained, erodes the equity cushion. Its Tier 1 capital ratio of 9.26% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at SouthPoint Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Alabama by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) SouthPoint Bank (FDIC Cert #58088) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Alabama
All Alabama banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Regions BankBirmingham | $157.4B | A | 1.43% |
| ServisFirst BankBirmingham | $17.7B | A | 1.58% |
| River Bank & TrustPrattville | $3.8B | A | 1.18% |
| Bank IndependentSheffield | $3.0B | B | 1.01% |
| Bryant BankTuscaloosa | $2.9B | A | 1.69% |
| CB&S Bank, Inc.Russellville | $2.9B | C | 0.85% |
| Oakworth Capital BankBirmingham | $2.0B | B | 1.17% |
| Troy Bank & Trust CompanyTroy | $1.6B | A | 1.34% |
Frequently asked questions
What is SouthPoint Bank's health grade?▼
SouthPoint Bank receives a health grade of D (40/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is SouthPoint Bank?▼
SouthPoint Bank holds $1.6B in total assets and $1.4B in deposits, ranking 720th of 4,313 FDIC-insured banks by asset size. It is headquartered in Birmingham, Alabama.
Is my money safe at SouthPoint Bank?▼
Yes, deposits at SouthPoint Bank (Certificate #58088) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is SouthPoint Bank's Tier 1 Capital Ratio?▼
SouthPoint Bank has a Tier 1 Capital Ratio of 9.26%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for SouthPoint Bank?▼
SouthPoint Bank has a Texas Ratio of 28.24%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is SouthPoint Bank?▼
SouthPoint Bank has an Efficiency Ratio of 58.63%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read SouthPoint Bank's profile as a depositor or analyst.
- SouthPoint Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare SouthPoint Bank against other Alabama banks before moving funds. Alabama banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.