Southpoint Bank (FDIC #58088): Bank Stress & Real-Estate Credit Exposure
Southpoint Bank (FDIC Cert #58088): bank stress 97/100, severe, STABLE over 7 days; parent SOUTHPOINT BANCSHARES INC.
Southpoint Bank (#58088) lends in 4 counties across 1 state; Southpoint Bank (#58088) reaches 114 ZIP codes: Alabama 4 counties, 114 ZIPs.
Southpoint Bank (#58088) largest markets: Jefferson County, AL (320 branches, 64 ZIPs) (#58088), Shelby County, AL (23 branches, 23 ZIPs) (#58088), Cullman County, AL (76 branches, 19 ZIPs) (#58088), Marshall County, AL (18 branches, 18 ZIPs) (#58088).
Southpoint Bank (#58088) reports $1.36 billion in total assets; Southpoint Bank (#58088) equity $104.5 million (7.7% of Southpoint Bank (#58088) assets); Southpoint Bank (#58088) domestic deposits $1.25 billion; Southpoint Bank (#58088) net income minus $12.4 million; Southpoint Bank (#58088) return on assets -1.71%; Southpoint Bank (#58088) return on equity -22.09%; Southpoint Bank (#58088) net interest income $21.2 million; Southpoint Bank (#58088) call report June 30, 2026.
Southpoint Bank (#58088) noncurrent real-estate loans 0.69% of its book; Southpoint Bank (#58088) residential 0.62%; Southpoint Bank (#58088) net charge-offs on real estate 2.92%; Southpoint Bank (#58088) residential charge-offs 3.28%.
Southpoint Bank (#58088) net interest margin 3.26% against an eight-quarter Southpoint Bank (#58088) average of 3.34% (Southpoint Bank (#58088) compression 0.08 points); Southpoint Bank (#58088) real-estate loans 68.8% of equity; Southpoint Bank (#58088) non-residential real estate 327.6% of equity; Southpoint Bank (#58088) rate-exposure score 40/100, Southpoint Bank (#58088) fixed-rate trap 40/100; Southpoint Bank (#58088) risk type credit driven; Southpoint Bank (#58088) rate regime rates elevated, Southpoint Bank (#58088) snapshot October 19, 2026.
Southpoint Bank (#58088) stress score moved from 95.6 on June 22, 2026 to 97.5 on October 19, 2026; Southpoint Bank (#58088) ranged 95.6 to 97.5 over 116 snapshots.
Southpoint Bank (#58088) alerts: 4 counties; top Southpoint Bank (#58088) alert scores: Arab County, AL 32 (low); Hanceville County, AL 32 (low); Trussville County, AL 32 (low); Wilsonville County, AL 32 (low).