$1.4B
total assets, June 30, 2026
SouthPoint Bank is a state nonmember bank based in Birmingham, AL, owned by SouthPoint Bancshares, Inc. (SOUB). As of June 30, 2026 it held $1.4 billion in assets and $1.2 billion in deposits; assets were down 18.8% from a year before. It has 11 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$1.4B
-18.8% in a year · -5.8% in a quarter
Deposits
$1.2B
-18.8% in a year · -5.4% in a quarter
Loans
$1.1B
-26.1% in a year · -6.1% in a quarter
Profit so far
-$12.4M
Jan 1 to Jun 30, 2026 · -370.3% in a year
Capital ratio
6.86%
-0.23 pts in a year
Return on assets
-1.71%
-2.23 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 3501 Grandview Pkwy, Birmingham, AL, 35243
- County
- Jefferson
- Holding company
- SouthPoint Bancshares, Inc. (SOUB)
- Established
- Oct 11, 2005
- Employees
- 129
- Branches
- 11
- Website
- www.southpoint.bank
- Id
- b58088
Quarter by quarter
December 31, 2005 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
11 offices as of June 30, 2026, holding $1.2 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Alabama | 11 | $1.2B | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Southpoint Bank (main office) | Birmingham, AL | $503M |
| Merchants Bank Al Mo Branch | Cullman, AL | $238M |
| Arab Branch | Arab, AL | $117M |
| Gardendale Branch | Gardendale, AL | $79.0M |
| Trussville Branch | Trussville, AL | $78.0M |
| Hanceville Branch | Hanceville, AL | $55.1M |
| Highway 157 Branch | Cullman, AL | $54.1M |
| Fairview Branch | Cullman, AL | $37.3M |
| Liberty Park Branch | Birmingham, AL | $35.9M |
| Wilsonville Branch | Wilsonville, AL | $31.5M |
Related pages
Questions and answers
How big is SouthPoint Bank?
$1.4 billion in total assets and $1.2 billion in deposits as of June 30, 2026, with assets down 18.8% from a year before. Its loans were $1.1 billion.
How many branches does SouthPoint Bank have?
11 branches in Alabama as of June 30, 2026.
Is SouthPoint Bank profitable?
No: it lost $12.4 million from January 1 to June 30, 2026. Its return on assets was -1.71% a year; about 1% is typical.
Who owns SouthPoint Bank?
SouthPoint Bank is owned by SouthPoint Bancshares, Inc., its holding company, which is listed as SOUB.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.