BlastPoint's Banking Scorecard
SouthPoint Bank
Designations: ✓ Community bank
Birmingham, AL
11 branches across AL
SouthPoint Bank faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 0.9% in tier
- - Deposit Outflow: Bottom 28.5% in tier
- - Return on Assets 1.62% below tier average
- - Delinquency Rate 3.42% above tier average
- - Nonperforming Asset Ratio 2.82% above tier average
- - Net Interest Margin 0.54% below tier average
- - Efficiency Ratio 0.18% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
-19.4% YoY
-7.6% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
31% |
| Total Loans ? |
$1.1B
-25.1% YoY
-6.1% QoQ
|
-$864.5M |
$2.0B
+0.6% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$1.3B
-20.2% YoY
-8.2% QoQ
|
-$1.0B |
$2.3B
-0.3% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
37% |
| Return on Assets ? |
-0.26%
-152.1% YoY
+52.3% QoQ
|
-1.62% |
1.37%
+19.6% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
Bottom 1.6% in tier |
| Net Interest Margin ? |
3.28%
+7.9% YoY
-2.5% QoQ
|
-0.54% |
3.82%
+6.9% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
28% |
| Efficiency Ratio ? |
61.24%
+1.5% YoY
+4.4% QoQ
|
+0.18% |
61.06%
-4.6% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
45% |
| Delinquency Rate ? |
4.30%
+34.4% YoY
+23.5% QoQ
|
+3.42% |
0.89%
+14.1% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 1.5% in tier |
| Loan-to-Deposit Ratio ? |
83.44%
-6.1% YoY
+2.3% QoQ
|
-0.77% |
84.20%
+0.3% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
11.09%
+10.6% YoY
+4.9% QoQ
|
-10.20% |
21.29%
-2.5% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
Bottom 14.4% in tier |
| Nonperforming Asset Ratio ? |
3.49%
+33.0% YoY
+28.9% QoQ
|
+2.82% |
0.67%
+15.6% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.6% in tier |
| Tier 1 Capital Ratio ? |
9.69%
+18.3% YoY
+4.7% QoQ
|
-5.47% |
15.16%
+2.0% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.5% in tier |
| Non-Interest Income / Assets ? |
0.15%
+40.0% YoY
-74.5% QoQ
|
-0.10% |
0.26%
+1.6% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
56% |
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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 (0)
Concerns (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.