Total Assets
$1.4B
Total Deposits
$1.2B
Branches
11
Established
2005
SouthPoint Bank is a bank headquartered in Birmingham, Alabama, established in 2005. It holds $1.4B in total assets across 11 branch locations. In our editorial opinion, based on public FDIC/NCUA data, SouthPoint Bank earns a TFS Financial Health Grade of F (35.8/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
35.8 / 100
Poor financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
Watching SouthPoint Bank?
Get a free alert the moment its TFS financial-health grade changes. No spam, ever.
Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| SouthPoint BankHQ | 3501 Grandview Pkwy | Birmingham | AL | 11 |
| SouthPoint Bank | 1096 N Brindlee Mountain Pkwy | Arab | AL | 11 |
| SouthPoint Bank | 8000 Liberty Pkwy | Birmingham | AL | 11 |
| SouthPoint Bank | 4855 Al Highway 157 | Cullman | AL | 11 |
| SouthPoint Bank | 44 Butler St | Cullman | AL | 11 |
| SouthPoint Bank | 900 2nd Ave Sw | Cullman | AL | 11 |
| SouthPoint Bank | 1101 Main St | Gardendale | AL | 11 |
| SouthPoint Bank | 906 Main St Ne | Hanceville | AL | 11 |
| SouthPoint Bank | 1720 28th Avenue South | Homewood | AL | 11 |
| SouthPoint Bank | 7278 Gadsden Hwy | Trussville | AL | 11 |
| SouthPoint Bank | 9833 N Main St | Wilsonville | AL | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
35.8
Tier 1 capital ratio
6.86%
Return on assets
-1.71%
Non-performing loans
3.54%
Efficiency ratio
65.28%
Asset growth (YoY)
-18.77%
Suggested direct comparisons
Birmingham, AL
$2.1B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.