SouthPoint Bank (FDIC certificate #58088) is based in Birmingham, Alabama. Its Q2 2026 call report shows $1.4B in total assets and $1.2B in deposits and 11 offices.
SouthPoint Bank has a TellerScore of 21 out of 100 (low) based on Q2 2026 data — higher than only 0% of its 897 banks with $1 billion – $10 billion. Among 93 banks headquartered in Alabama, it ranks 92nd. Funding & liquidity contributes the most (77/100, 83% loans-to-deposits, 13% uninsured); earnings contributes the least (0/100, -1.71%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 9 points (30 → 21), mostly because the earnings component weakened by 41 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 52 |
| Q3 2024 | 52 |
| Q4 2024 | 32 |
| Q1 2025 | 28 |
| Q2 2025 | 30 |
| Q3 2025 | 29 |
| Q4 2025 | 22 |
| Q1 2026 | 24 |
| Q2 2026 | 21 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.11% |
| Q3 2024 | 8.12% |
| Q4 2024 | 6.72% |
| Q1 2025 | 6.91% |
| Q2 2025 | 7.09% |
| Q3 2025 | 7.73% |
| Q4 2025 | 7.07% |
| Q1 2026 | 7.34% |
| Q2 2026 | 6.86% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.18% |
| Q3 2024 | 1.41% |
| Q4 2024 | 1.75% |
| Q1 2025 | 3.17% |
| Q2 2025 | 2.83% |
| Q3 2025 | 4.45% |
| Q4 2025 | 3.40% |
| Q1 2026 | 4.18% |
| Q2 2026 | 3.54% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.05% |
| Q3 2024 | 1.05% |
| Q4 2024 | -0.46% |
| Q1 2025 | 0.50% |
| Q2 2025 | 0.53% |
| Q3 2025 | 0.53% |
| Q4 2025 | -0.54% |
| Q1 2026 | -0.26% |
| Q2 2026 | -1.71% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 21 | $1.4B | 6.86% | 3.54% | -1.71% | 83.0% |
| Q1 2026 | 24 | $1.4B | 7.34% | 4.18% | -0.26% | 83.4% |
| Q4 2025 | 22 | $1.6B | 7.07% | 3.40% | -0.54% | 81.6% |
| Q3 2025 | 29 | $1.6B | 7.73% | 4.45% | 0.53% | 90.1% |
| Q2 2025 | 30 | $1.7B | 7.09% | 2.83% | 0.53% | 92.9% |
| Q1 2025 | 28 | $1.8B | 6.91% | 3.17% | 0.50% | 88.9% |
| Q4 2024 | 32 | $1.8B | 6.72% | 1.75% | -0.46% | 91.3% |
| Q3 2024 | 52 | $1.8B | 8.12% | 1.41% | 1.05% | 93.8% |
| Q2 2024 | 52 | $1.7B | 8.11% | 1.18% | 1.05% | 102.4% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank of AlabamaBank Talladega, AL | 45 out of 100, Below average | $1.4B | 9.8% | 3.40% | vs |
| Peoples Bank of AlabamaBank Cullman, AL | 76 out of 100, Strong | $1.4B | 11.2% | 0.56% | vs |
| United BankBank Atmore, AL | 74 out of 100, Strong | $1.5B | 15.8% | 1.35% | vs |
| Citizens Bank & TrustBank Guntersville, AL | 67 out of 100, Moderate | $1.2B | 8.9% | 0.08% | vs |
| Metro BankBank Pell City, AL | 80 out of 100, Strong | $1.2B | 14.7% | 1.18% | vs |
| First US BankBank Birmingham, AL | 67 out of 100, Moderate | $1.1B | 9.2% | 0.15% | vs |
Deposit insurance
Is my money safe at SouthPoint Bank?
Yes. SouthPoint Bank is an FDIC-insured institution (FDIC certificate #58088). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.3% of deposits ($165.4M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 6.86%, slightly above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 10.18% (benchmark: 10%).
11 locations
Branches
SouthPoint Bank lists 11 offices in 8 cities. Most locations:
- Cullman, AL (3)
- Birmingham, AL (2)
- Arab, AL (1)
- Gardendale, AL (1)
- Hanceville, AL (1)
- Homewood, AL (1)
- Trussville, AL (1)
- Wilsonville, AL (1)
Identity & history
Profile
- Legal name
- SouthPoint Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58088
- RSSD ID
- 3386536
- Primary regulator
- FDIC
- Holding company
- Southpoint Bancshares Inc
- Established
- October 11, 2005
- Headquarters
- 3501 Grandview Pkwy, Birmingham, AL 35243
- Website
- www.southpoint.bank
- Employees
- 129
Quick answers
SouthPoint Bank: common questions
Is SouthPoint Bank FDIC insured?
Yes. SouthPoint Bank is an FDIC-insured institution (FDIC certificate #58088). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is SouthPoint Bank's TellerScore?
21 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has SouthPoint Bank ever failed?
There is no failure record for FDIC certificate #58088 in the FDIC failed bank list.
How many branches does SouthPoint Bank have?
11 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Birmingham
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Omaha Public Power Dist Emp Federal Credit UnionCredit union Omaha, NE | 98 out of 100, Very strong | $34.8M | 25.2% | 0.00% | vs |
| Alabama Postal Credit UnionCredit union Birmingham, AL | 96 out of 100, Very strong | $6.4M | 44.5% | 0.28% | vs |
| Acipco Federal Credit UnionCredit union Birmingham, AL | 94 out of 100, Very strong | $221.5M | 14.4% | 0.21% | vs |
| Rocket City Federal Credit UnionCredit union Huntsville, AL | 94 out of 100, Very strong | $69.1M | 17.3% | 0.17% | vs |
| Aod Federal Credit UnionCredit union Bynum, AL | 89 out of 100, Very strong | $466.7M | 16.4% | 0.53% | vs |
| Coosa Pines Federal Credit UnionCredit union Childersburg, AL | 88 out of 100, Very strong | $420.8M | 16.2% | 0.87% | vs |