BlastPoint's Banking Scorecard

SouthPoint Bank

$1B-$10B Specialty: Commercial AL FDIC cert 58088

Designations: ✓ Community bank

Birmingham, AL

11 branches across AL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in AL.
Deposits -18.8% year over year ($1.2B on the books).
Delinquency rate 3.64%.
Return on assets -1.71%.
Efficiency ratio 65.28% vs a 59.73% peer average.
Loan-to-deposit ratio 83.03% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in AL

View $1B-$10B leaderboard (AL) →

SouthPoint Bank faces 7 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 0.1% in tier
- Deposit Outflow: Bottom 19.1% in tier
- Return on Assets 3.10% below tier average
- Delinquency Rate 2.77% above tier average
- Nonperforming Asset Ratio 2.52% above tier average
- Net Interest Margin 0.61% below tier average
- Efficiency Ratio 5.55% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$1.4B -18.8% YoY -5.8% QoQ	-$1.4B	$2.8B -0.6% YoY	$2.5B +1.5% YoY	$6.3B +7.7% YoY	27%
Total Loans ?	$1.0B -27.4% YoY -5.9% QoQ	-$927.6M	$2.0B -0.3% YoY	$1.6B +2.8% YoY	$3.2B +9.4% YoY	33%
Total Deposits ?	$1.2B -18.8% YoY -5.4% QoQ	-$1.1B	$2.3B -0.5% YoY	$2.1B +0.3% YoY	$4.9B +7.3% YoY	34%
Return on Assets ?	-1.71% -423.5% YoY -559.1% QoQ	-3.10%	1.39% +17.0% YoY	0.89% -13.0% YoY	1.30% +12.1% YoY	Bottom 0.3% in tier
Net Interest Margin ?	3.26% -0.1% YoY -0.4% QoQ	-0.61%	3.87% +6.2% YoY	4.02% +3.4% YoY	3.95% +4.9% YoY	24%
Efficiency Ratio ?	65.28% +12.7% YoY +6.6% QoQ	+5.55%	59.73% -12.6% YoY	69.53% +4.0% YoY	70.05% +2.5% YoY	32%
Delinquency Rate ?	3.64% +27.3% YoY -15.5% QoQ	+2.77%	0.87% +11.7% YoY	1.13% +25.5% YoY	0.98% +16.3% YoY	Bottom 3.1% in tier
Loan-to-Deposit Ratio ?	83.03% -10.6% YoY -0.5% QoQ	-2.00%	85.04% -0.1% YoY	67.62% +0.9% YoY	79.03% +2.3% YoY	60%
Non-Interest-Bearing Deposit Share ?	11.76% +9.7% YoY +6.1% QoQ	-9.51%	21.27% -1.5% YoY	24.04% +0.1% YoY	21.98% -0.6% YoY	16%
Nonperforming Asset Ratio ?	3.19% +30.9% YoY -8.6% QoQ	+2.52%	0.67% +11.7% YoY	0.74% +25.2% YoY	0.69% +15.8% YoY	Bottom 2.4% in tier
Tier 1 Capital Ratio ?	8.91% +2.0% YoY -5.5% QoQ	-5.93%	14.84% -0.4% YoY	15.01% +1.3% YoY	17.09% +0.8% YoY	Bottom 0.2% in tier
Non-Interest Income / Assets ?	0.31% +3.4% YoY +100.0% QoQ	-0.22%	0.53% +2.5% YoY	0.35% -14.4% YoY	0.66% +5.2% YoY	54%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Noninterest-Bearing	11.8% +1.0pp YoY +0.7pp QoQ	-9.6pp	21.4%	24.0%	22.2%	15%
Brokered Deposits	23.4% -2.9pp YoY +1.3pp QoQ	+13.9pp	9.5%	5.5%	8.5%	91%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
C&I	19.1% -10.1pp YoY -1.9pp QoQ	+5.1pp	14.0%	16.9%	12.5%	79%
CRE	55.8% +6.1pp YoY +1.2pp QoQ	+5.7pp	50.0%	43.5%	41.4%	66%
1-4 Family	23.6% +3.5pp YoY +0.3pp QoQ	-2.8pp	26.4%	30.6%	31.3%	51%
Consumer	0.5% 0.0pp YoY 0.0pp QoQ	-4.3pp	4.7%	5.7%	5.0%	30%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
CET1 Ratio	8.9% +0.2pp YoY -0.5pp QoQ	-6.7pp	15.6%	15.1%	19.7%	0%
Leverage Ratio	6.9% -0.2pp YoY -0.5pp QoQ	-4.5pp	11.3%	13.2%	12.6%	0%
Total Capital Ratio	10.2% +0.4pp YoY -0.5pp QoQ	-6.5pp	16.7%	16.2%	20.8%	0%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Full-Time Employees	129 -11 (-7.9%) YoY 0 QoQ	-185	313	304	482	16%
Assets per Employee ($)	$10.5M -11.8% YoY -5.8% QoQ	+$68K	$10.5M	$6.9M	$8.8M	70%
Branch Count	11 0 YoY 0 QoQ	-9	20	20	18	35%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.2pp QoQ	-0.1pp	0.2%	0.2%	0.4%	39%
Nonaccrual	3.6% +0.8pp YoY -0.4pp QoQ	+2.8pp	0.8%	1.2%	1.0%	98%
Allowance Coverage	0.78x +118.6% YoY +9.9% QoQ	-17.93x	18.71x	7.50x	20.23x	15%
Net Charge-off Rate (YTD)	4.2% +3.4pp YoY +4.1pp QoQ	+3.9pp	0.3%	0.3%	0.2%	99%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
ROE	-22.1% -29.3pp YoY -18.8pp QoQ	-34.7pp	12.6%	10.0%	11.6%	0%
Cost of Funds (YTD)	2.9% -0.6pp YoY 0.0pp QoQ	+1.0pp	1.9%	1.7%	1.7%	95%
Net Income ($, YTD)	$-12421000.0 -370.3% YoY — QoQ	-$31.7M	$19.2M	$17.2M	$40.4M	0%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk

#1 of 222 • Bottom 0.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 8.91%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Deposit Outflow

decline

#26 of 131 • Bottom 19.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

884

Tier 1 Capital Ratio

capital

Value: 8.91%

Peer Median: 14.84%

#884 of 885 Bottom 0.2% in $1B-$10B

883

Return on Assets

profitability

Value: -1.71%

Peer Median: 1.39%

#883 of 885 Bottom 0.3% in $1B-$10B

865

Nonperforming Asset Ratio

credit_quality

Value: 3.19%

Peer Median: 0.67%

#865 of 885 Bottom 2.4% in $1B-$10B

856

Delinquency Rate

credit_quality

Value: 3.64%

Peer Median: 0.87%

#856 of 882 Bottom 3.1% in $1B-$10B

747

Non-Interest-Bearing Deposit Share

funding

Value: 11.76%

Peer Median: 21.27%

#747 of 885 Bottom 15.7% in $1B-$10B

671

Net Interest Margin

profitability

Value: 3.26%

Peer Median: 3.87%

#671 of 885 Bottom 24.3% in $1B-$10B