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Southpoint Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
62
/ 100
StableAs of 2026-Q1QoQ +3

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

Quarterly Headline

2026-Q1

Bank #3386536 2026-Q1 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.30% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +4

The five pillars

Liquidity

StableQoQ +1
79
Sub-score

Liquidity is stable: brokered 22.1%, loans/deposits 83.4%, cash 14.0% of assets.

Cash / Assets
14.00%
Loans / Deposits
83.44%
Brokered %
22.07%
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 +6
44
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.69%, CET1 9.69%, leverage 7.46%.

Tier 1 RBC
9.69%
CET1
9.69%
Leverage
7.46%
No watch items at this period.

Asset Quality

WatchQoQ +1
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.30%, Texas Ratio 33.2%, NCO YTD 0.09%.

Adjusted NPL
4.30%
Govt-guarantees stripped
Texas Ratio
33.2%
NCO YTD
0.09%
30-89 PD
2.86%
Band 0.3% / 3.0%
90+ PD
0.25%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.30% (govt-guarantees stripped).

Reserves

WatchQoQ +4
57
Sub-score

Reserves are deteriorating: ALLL 2.95% of loans, coverage 70.5%, true coverage 70.5%.

ALLL / Loans
2.95%
Coverage
70.5%
True Loss Coverage
70.5%
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