Bank · FDIC insured
SouthPoint Bank
A $1.4B bank headquartered in Birmingham, AL, with 11 branches in Alabama. Best rates: savings 4.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings944.00%at $10,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About SouthPoint Bank
- Headquarters
- 3501 Grandview Pkwy, Birmingham, AL 35243
- FDIC certificate
- 58088 ↗
Branches
11 branches in Alabama
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Alabama
11 branches
Birmingham area · 6
- SouthPoint BankMain office3501 Grandview Pkwy, Birmingham, AL 35243Directions
- Liberty Park Branch8000 Liberty Pkwy, Birmingham, AL 35242Directions
- Gardendale Branch1101 Main St, Gardendale, AL 35071Directions
- Homewood Branch1720 28th Avenue South, Homewood, AL 35209Directions
- Trussville Branch7278 Gadsden Hwy, Trussville, AL 35173Directions
- Wilsonville Branch9833 N Main St, Wilsonville, AL 35186Directions
Cullman area · 4
- Fairview Branch44 Butler St, Cullman, AL 35058Directions
- Highway 157 Branch4855 Al Highway 157, Cullman, AL 35058Directions
- Merchants Bank Al Mo Branch900 2nd Ave Sw, Cullman, AL 35055Directions
- Hanceville Branch906 Main St Ne, Hanceville, AL 35077Directions
Albertville area · 1
- Arab Branch1096 N Brindlee Mountain Pkwy, Arab, AL 35016Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 6.86% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 3.54% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | -1.71% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $85 | $88 | — |
- CapitalLeverage ratio6.86%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent3.54%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets-1.71%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$85Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of SouthPoint Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.