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Southpoint Bank

IDRSSD: 3386536
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
56
/ 100
WatchAs of 2025-Q1QoQ -5

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q1

Bank #3386536 2025-Q1 Vital Signs Score: 56/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Risk
Asset Quality:Watch
Reserves:Watch

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.52% (govt-guarantees stripped).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.27% of loans.

What changed this quarter

Compared to Q4 2024:
↓ -5 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↓ -19
  • Asset Quality
    ↓ -27
  • Reserves
    ↑ +29

The five pillars

Liquidity

StableQoQ +9
73
Sub-score

Liquidity is stable: brokered 26.8%, loans/deposits 88.9%, cash 10.3% of assets.

Cash / Assets
10.25%
Loans / Deposits
88.89%
Brokered %
26.80%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

RiskQoQ -19
24
Sub-score

Capital position is weak: Tier 1 RBC 8.08%, CET1 8.08%, leverage 6.81%.

Tier 1 RBC
8.08%
CET1
8.08%
Leverage
6.81%
No watch items at this period.

Asset Quality

WatchQoQ -27
46
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.52%, Texas Ratio 38.7%, NCO YTD 1.27%.

Adjusted NPL
4.52%
Govt-guarantees stripped
Texas Ratio
38.7%
NCO YTD
1.27%
30-89 PD
1.47%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.52% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.27% of loans.

Reserves

WatchQoQ +29
60
Sub-score

Reserves are deteriorating: ALLL 3.26% of loans, coverage 74.7%, true coverage 74.3%.

ALLL / Loans
3.26%
Coverage
74.7%
True Loss Coverage
74.3%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-15 10:11:01 UTC