D
SouthPoint Bank
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings SouthPoint Bank
Birmingham, AL
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Rating D
Asset Quality Index 1.40
Capitalization Index 4.90
Liquidity Index 2.00
Profitability Index 0.00
Stability Index 4.20
Company Info SouthPoint Bank
Birmingham, AL
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FDIC Number 58088
Phone Number (205) 503-5000
Website www.southpoint.bank
Asset Quality SouthPoint Bank
Birmingham, AL
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1-Year Asset Growth 5.88%
5-Year Asset Growth 65.89%
5-Year Charge-Offs to Average Loans 0.62%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 2.59%
Non-Performing Loans to Capital 33.67%
Non-Performing Loans to Loans 3.15%
Balance Sheet SouthPoint Bank
Birmingham, AL
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Total Assets 1.79B
Total Deposits 1.65B
Capital and Reserves SouthPoint Bank
Birmingham, AL
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Capital 128.45M
Leverage Ratio 6.91
Loan Loss Reserves to Loans 1.10%
Risk-Based Capital Ratio 9.32
Liquidity SouthPoint Bank
Birmingham, AL
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Hot Money Ratio 29.64%
Liquidity Ratio 14.20%
Profitability SouthPoint Bank
Birmingham, AL
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5-Year Return on Average Assets 0.99%
Net Income 2.21M
Net Interest Spread 2.93%
Operating Profit to Average Assets 0.62%
Overhead Efficiency Ratio 60.35%
Return on Assets 0.49%
Return on Equity 6.95%