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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 58088 · AL D · 40/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-HEALTHY · ROA-LOSS · SIZE-REGIONAL · BOOK-FULL

  • GRADE-D D (40/100)
  • BOTTOM-DECILE #4235/4307
  • PHOTO-FINISH First State Bank of… · GA
  • TIER1-ADEQ 9.3% Tier 1
  • TEXAS-HEALTHY 28.2% Texas
  • ROA-LOSS -0.54% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Alabama: First State Bank of Randolph County, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around SouthPoint Bank

Lowest and highest poles plus nearest scored peers outside Alabama, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100KeySavings Bank · WI · near41/100First State Bank of… · GA · …40/100SouthPoint Bank · AL · this …40/100Citizens First Bank · IA · n…39/100Flagstar Bank, Natio… · NY ·…39/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around SouthPoint Bank · July 2026

What SouthPoint Bank's Call Report plate shows

SouthPoint Bank (FDIC Cert #58088) carries a PlainBankData health grade of D at 40/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,235 of 4,307. Tier 1 capital prints at 9.26%, missing the 10% well-capitalized line. The Texas Ratio is 28.24%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.54%. Balance-sheet scale is $1.6B, 720th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First State Bank of Randolph County (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around SouthPoint Bank

7 FAILURE resolutions in Alabama since 2000 (7 since 2008)

SouthPoint Bank's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; SouthPoint Bank remains an active FDIC-insured reporter.

  • ALABAMA TRUST BANK, NATIONAL ASSOCIATION SYLACAUGA, AL 2012 → SOUTHERN STATES BANK
  • SUPERIOR BANK BIRMINGHAM, AL 2011 → SUPERIOR BANK, N.A.
  • NEXITY BANK BIRMINGHAM, AL 2011 → ALOSTAR BANK OF COMMERCE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Alabama banks.

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.

0/100100/100National avg77/10040/100
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 Assets

$1.6B

Total balance-sheet footings

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

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.86% 9.26% 10.66%
Basel III capital ratios - SouthPoint Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

40 2nd percentile higher than 2% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. SouthPoint Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for SouthPoint Bank

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

What these ratios mean →

Profitability metrics: SouthPoint Bank

Return on Assets (ROA)
3rd percentile nationally
-0.54%
Return on Equity (ROE)
-7.19%
Efficiency Ratio
58.63%

What these mean →

Income & expense: loss period at SouthPoint Bank

$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.

FDIC Failed Bank List → View SouthPoint Bank on FDIC BankFind →

Top banks in Alabama by total assets

Largest banks headquartered in Alabama
  1. 1
    Regions Bank $157.4B

    Birmingham, AL · Grade A

  2. 2
    ServisFirst Bank $17.7B

    Birmingham, AL · Grade A

  3. 3
    River Bank & Trust $3.8B

    Prattville, AL · Grade A

  4. 4
    Bank Independent $3.0B

    Sheffield, AL · Grade B

  5. 5
    Bryant Bank $2.9B

    Tuscaloosa, AL · Grade A

Top 5 banks in Alabama ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.6B here), outside Alabama so the neighborhood is not state containment.

The Cecilian Bank $1.6B · KY BTC Bank $1.6B · MO The Ohio Valley Bank Company $1.6B · OH The Moody National Bank $1.6B · TX

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.

SouthPoint Bank Call Report profile · FDIC Failed Bank List · Alabama FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Alabama

All Alabama banks →
BankAssetsGradeROA
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%