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Southpoint Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
57
/ 100
WatchAs of 2025-Q3QoQ +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-Q3

Bank #3386536 2025-Q3 Vital Signs Score: 57/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 31.3% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 31.5% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.51% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ +5 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↑ +13
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ +11

The five pillars

Liquidity

StableQoQ +7
71
Sub-score

Liquidity is stable: brokered 24.7%, loans/deposits 90.1%, cash 8.8% of assets.

Cash / Assets
8.77%
Loans / Deposits
90.07%
Brokered %
24.71%
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

WatchQoQ +13
44
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.61%, CET1 9.61%, leverage 7.67%.

Tier 1 RBC
9.61%
CET1
9.61%
Leverage
7.67%
No watch items at this period.

Asset Quality

WatchQoQ -6
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.51%, Texas Ratio 40.5%, NCO YTD 0.04%.

Adjusted NPL
4.51%
Govt-guarantees stripped
Texas Ratio
40.5%
NCO YTD
0.04%
30-89 PD
1.98%
Band 0.3% / 3.0%
90+ PD
0.62%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.51% (govt-guarantees stripped).

Reserves

RiskQoQ +11
31
Sub-score

Reserves are weak: ALLL 1.40% of loans, coverage 31.5%, true coverage 31.3%.

ALLL / Loans
1.40%
Coverage
31.5%
True Loss Coverage
31.3%

Watch Items

  • watchALLL / NPL below 50% — Coverage 31.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 31.3% (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