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Southpoint Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
52
/ 100
WatchAs of 2025-Q2QoQ -4

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

Quarterly Headline

2025-Q2

Bank #3386536 2025-Q2 Vital Signs Score: 52/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 35.2% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 35.5% (regulatory soft-warning level 50%).
  3. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.69% of loans.

What changed this quarter

Compared to Q1 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    ↑ +7
  • Asset Quality
    ↑ +8
  • Reserves
    ↓ -41

The five pillars

Liquidity

StableQoQ -9
64
Sub-score

Liquidity is stable: brokered 26.3%, loans/deposits 92.9%, cash 6.6% of assets.

Cash / Assets
6.63%
Loans / Deposits
92.85%
Brokered %
26.27%
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 +7
31
Sub-score

Capital position is weak: Tier 1 RBC 8.73%, CET1 8.73%, leverage 7.04%.

Tier 1 RBC
8.73%
CET1
8.73%
Leverage
7.04%
No watch items at this period.

Asset Quality

WatchQoQ +8
54
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.86%, Texas Ratio 29.3%, NCO YTD 1.69%.

Adjusted NPL
2.86%
Govt-guarantees stripped
Texas Ratio
29.3%
NCO YTD
1.69%
30-89 PD
1.73%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.86% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 1.69% of loans.

Reserves

RiskQoQ -41
19
Sub-score

Reserves are weak: ALLL 1.00% of loans, coverage 35.5%, true coverage 35.2%.

ALLL / Loans
1.00%
Coverage
35.5%
True Loss Coverage
35.2%

Watch Items

  • watchALLL / NPL below 50% — Coverage 35.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.2% (Adjusted NPL + Performing Mods denominator).

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