| Metric | SouthPoint Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -18.8% | +5.5% | -24.2 pts |
| Deposit growth (YoY) | -18.8% | +5.1% | -23.9 pts |
| Loan growth (YoY) | -27.4% | +5.9% | -33.3 pts |
| ROA | -1.71% | 1.26% | -3.0 pts |
| ROE | -22.1% | 12.2% | -34.3 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.36B | $1.25B | $1.04B | $104.5M | $-12.4M | -1.71% | 3.26% | 3.19% |
| Q1 2026 | $1.44B | $1.32B | $1.10B | $115.8M | $-973K | -0.26% | 3.28% | 3.49% |
| Q4 2025 | $1.56B | $1.44B | $1.17B | $117.0M | $-9.1M | -0.54% | 3.36% | 2.71% |
| Q3 2025 | $1.60B | $1.45B | $1.31B | $133.0M | $6.8M | 0.53% | 3.35% | 3.71% |
| Q2 2025 | $1.68B | $1.54B | $1.43B | $129.2M | $4.6M | 0.53% | 3.27% | 2.44% |
| Q1 2025 | $1.79B | $1.65B | $1.47B | $128.4M | $2.2M | 0.50% | 3.04% | 2.63% |
| Q4 2024 | $1.76B | $1.62B | $1.48B | $125.8M | $-7.9M | -0.46% | 3.53% | 1.81% |
| Q3 2024 | $1.79B | $1.63B | $1.53B | $150.1M | $13.5M | 1.05% | 3.63% | 1.23% |
Loan mix (Q2 2026): real estate $828.3M · commercial $198.1M · consumer $4.8M · securities $45.3M
| Ratio | SouthPoint Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.71% | 1.26% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -22.1% | 12.2% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 59.0% | 69th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | SouthPoint Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | SouthPoint Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | SouthPoint Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | SouthPoint Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.