BlastPoint's Banking Scorecard
SouthPoint Bank
Birmingham, AL
SouthPoint Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 32% in Community
- - Return on Assets 1.66% below tier
- - Delinquency Rate 2.99% above tier
- - Nonperforming Asset Ratio 2.31% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
-11.2% YoY
-2.0% QoQ
|
+$172.8M |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$1.2B
-21.0% YoY
-10.4% QoQ
|
+$197.4M |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$1.4B
-11.6% YoY
-1.1% QoQ
|
+$272.1M |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
-0.50%
-8.2% YoY
-193.4% QoQ
|
-1.66% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
3.36%
-4.8% YoY
+0.5% QoQ
|
-0.30% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
58.63%
+11.1% YoY
+2.2% QoQ
|
-4.00% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
3.61%
+104.2% YoY
-19.9% QoQ
|
+2.99% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
81.64%
-10.6% YoY
-9.4% QoQ
|
-1.42% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
10.57%
+12.7% YoY
-2.1% QoQ
|
-10.48% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
2.81%
+54.8% YoY
-24.2% QoQ
|
+2.31% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
9.31%
+16.7% YoY
-3.1% QoQ
|
-0.93% |
10.24%
-0.6% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.60%
+60.3% YoY
+35.5% QoQ
|
-0.13% |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (0)
Concerns (4)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Return on Assets
metricReturn on Assets is in the bottom decile of tier peers. Earnings power per dollar of assets lags peers; warrants margin and cost diagnostics to identify the drag.
Delinquency Rate
metricDelinquency Rate is in the bottom decile (highest) of tier peers. Past-due loans are running well above peer levels - leading indicator of further charge-offs unless cured or worked out.
Nonperforming Asset Ratio
metricNon-Performing Asset Ratio is in the bottom decile (highest) of tier peers. Problem assets are pressuring earnings and capital - watch reserve coverage and OREO trends.
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%