Northpointe Bank
Total assets
$7.53B
▲ +17.1% YoY
Deposits
$5.25B
▲ +16.8% YoY
Loans
$6.78B
▲ +16.6% YoY
Offices
1
NORTHPOINTE BANCSHARES INC
ROA (annualized)
1.32%
peers 1.26%
ROE (annualized)
14.05%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Northpointe Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.1% | +5.5% | +11.6 pts |
| Deposit growth (YoY) | +16.8% | +5.1% | +11.8 pts |
| Loan growth (YoY) | +16.6% | +5.9% | +10.7 pts |
| ROA | 1.32% | 1.26% | +0.1 pts |
| ROE | 14.1% | 12.2% | +1.9 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
Profile
- Established
- 1999
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- NORTHPOINTE BANCSHARES INC
- Specialization
- All Other Over 1 Billion
- Address
- 3333 Deposit Dr Ne, Grand Rapids, MI, 49546
- County
- Kent
- Metro area
- Grand Rapids-Kentwood, MI
- Offices
- 1
- FDIC cert #
- 34953
- RSSD ID
- 2737980
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.53B | $5.25B | $6.78B | $708.3M | $48.2M | 1.32% | 2.48% | 1.15% |
| Q1 2026 | $7.40B | $5.02B | $6.70B | $685.6M | $24.2M | 1.34% | 2.48% | 1.23% |
| Q4 2025 | $7.02B | $4.89B | $6.32B | $662.3M | $87.2M | 1.39% | 2.53% | 1.32% |
| Q3 2025 | $6.84B | $4.78B | $6.21B | $642.7M | $62.5M | 1.37% | 2.47% | 1.25% |
| Q2 2025 | $6.43B | $4.50B | $5.82B | $609.5M | $39.2M | 1.34% | 2.42% | 1.35% |
| Q1 2025 | $5.86B | $3.85B | $5.34B | $588.0M | $17.9M | 1.29% | 2.33% | 1.50% |
| Q4 2024 | $5.22B | $3.43B | $4.63B | $485.1M | $57.1M | 1.12% | 2.41% | 1.57% |
| Q3 2024 | $5.39B | $3.54B | $4.74B | $477.9M | $45.6M | 1.20% | 2.38% | 1.52% |
Loan mix (Q2 2026): real estate $2.83B · commercial $15.0M · consumer $0 · securities $6.2M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Northpointe Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 1.26% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 12.2% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.48% | 3.70% | 5th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.7% | 59.0% | 27th | |
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% |
Balance sheet
| Ratio | Northpointe 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% |
Capital
| Ratio | Northpointe 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% |
Credit quality
| Ratio | Northpointe 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% |
Franchise
| Ratio | Northpointe Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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