Visbanking Logo
Skip to main content

Southpoint Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
60
/ 100
WatchAs of 2025-Q4QoQ +3

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

Quarterly Headline

2025-Q4

Bank #3386536 2025-Q4 Vital Signs Score: 60/100 — 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. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 4.65% of loans.
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.61% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +22

The five pillars

Liquidity

StableQoQ +7
78
Sub-score

Liquidity is stable: brokered 25.0%, loans/deposits 81.6%, cash 15.2% of assets.

Cash / Assets
15.22%
Loans / Deposits
81.64%
Brokered %
24.96%
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 -6
38
Sub-score

Capital position is weak: Tier 1 RBC 9.31%, CET1 9.31%, leverage 7.06%.

Tier 1 RBC
9.31%
CET1
9.31%
Leverage
7.06%
No watch items at this period.

Asset Quality

WatchQoQ -1
47
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.61%, Texas Ratio 30.3%, NCO YTD 4.65%.

Adjusted NPL
3.61%
Govt-guarantees stripped
Texas Ratio
30.3%
NCO YTD
4.65%
30-89 PD
1.37%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.61% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 4.65% of loans.

Reserves

WatchQoQ +22
53
Sub-score

Reserves are deteriorating: ALLL 2.35% of loans, coverage 66.5%, true coverage 63.7%.

ALLL / Loans
2.35%
Coverage
66.5%
True Loss Coverage
63.7%
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