Northpointe Bank
Northpointe Bank reported total assets of $7.5 bn at Q2 2026, up 17.1% on a year earlier, the 207th largest of 497 banks in our US coverage. The CET1 capital ratio at Northpointe Bank was 11.10%, and the uninsured share of Northpointe Bank was 7.12%. Source: FDIC Call Reports.
Key takeaways
- Northpointe Bank has one of the highest loan-to-deposit ratio readings among banks of $1 bn to $10 bn: 129.10% at , against a median of 88.61% across 339 banks (FDIC Call Reports).
- On noncurrent loans to total loans, Northpointe Bank climbed from 461st to 398th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- The uninsured share of domestic deposits of Northpointe Bank, 7.12% at , places Northpointe Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 32.61%; FDIC Call Reports).
What sets Northpointe Bank apart
- Among the 339 banks of $1 bn to $10 bn, few report a lower net interest margin than Northpointe Bank, at 2.48% in ; the group median is 3.66%.
How large is Northpointe Bank?
The balance sheet of Northpointe Bank at : assets $7.5 bn, deposits $5.3 bn, net loans $6.8 bn (loans equal to 129.10% of deposits). Securities make up 0.1% of total assets at Northpointe Bank. Since , when Northpointe Bank held $439.4 mn, its assets grew 1,613.7%. In the year to , deposits at Northpointe Bank rose 16.8% while its total assets rose 17.1%. At , Northpointe Bank employed 495 full-time equivalent staff across 1 office, about $15.2 mn of assets per employee and $5.3 bn of deposits per office.
How much funding at Northpointe Bank is uninsured?
At Northpointe Bank, uninsured deposits (above the FDIC limit) made up 7.12% of domestic deposits at (-0.49 pp on a year earlier); Northpointe Bank ranks 477th of 500 on this measure. In dollars, Northpointe Bank estimated $374.3 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $5.3 bn | +16.8% | 240th of 499 |
| Net loans and leases | $6.8 bn | +16.6% | 165th of 500 |
| Loan-to-deposit ratio | 129.10% | -0.22 pp | 8th of 500 |
| Tier 1 leverage ratio | 9.54% | -0.44 pp | 364th of 500 |
| Total risk-based capital ratio | 11.26% | -0.08 pp | 443rd of 448 |
| Net interest margin | 2.48% | +0.06 pp | 462nd of 500 |
| Return on assets (ROA) | 1.32% | -0.03 pp | 242nd of 500 |
| Efficiency ratio | 51.68% | -1.22 pp | 166th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $120,000 | Narrowed by $95,000 | |
| Noncurrent loans to total loans | 1.23% | -0.26 pp | 398th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.02% | 0.00 pp | 142nd of 500 (1 = lowest) |
US rank of Northpointe Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Northpointe Bank: assets, deposits and loans
- Total assets $7.5bn
- Deposits $5.3bn
- Net loans $6.8bn
Capital and securities
The CET1 ratio of Northpointe Bank stood at 11.10% in , -0.05 pp year on year. Low and high at Northpointe Bank since : 8.96% () to 13.41% (). Equity capital of Northpointe Bank at : $708.3 mn, or 9.4% of total assets. Northpointe Bank also reported a total capital ratio of 11.26% for , and a tier 1 leverage ratio of 9.54%.
The available-for-sale portfolio of Northpointe Bank showed an unrealized loss of $120,000 at ; the loss narrowed by $95,000 over the year.
Northpointe Bank: capital ratios
- Total capital 11%
- CET1 11%
- Tier 1 leverage 9.5%
Northpointe Bank: unrealized securities gains and losses
- Available for sale -$120,000
- Held to maturity $0
Profitability and loan quality
For the year to , Northpointe Bank earned a return on equity of 14.05%; return on assets: 1.32%. Net interest margin at Northpointe Bank: 2.48%, +0.06 pp in a year. Northpointe Bank net income: $48.2 mn, up 22.7% year on year. The efficiency ratio of Northpointe Bank was 51.68%: about 52 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 1.23% of total loans at Northpointe Bank; net charge-offs: 0.02% of average loans. Gross loans and leases at Northpointe Bank: $6.8 bn, up 16.5% in a year.
Northpointe Bank: profitability
- Return on equity 14%
- Net interest margin 2.5%
- Return on assets 1.3%
Peer group of Northpointe Bank
The peer group of Northpointe Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Northpointe Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Michigan. Against them, Northpointe Bank shows CET1 ratio 11.10% against a peer median of 11.50%, return on equity 14.05% against a peer median of 10.28% and uninsured deposit share 7.12% against a peer median of 32.93%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Ocean Bank | State nonmember bank | FL | $7.6 bn | 11.41% | 11.41% | 45.92% | |
| Bank of Colorado | State nonmember bank | CO | $7.6 bn | 14.74% | 13.63% | 37.66% | |
| Ridgewood Savings Bank | State-chartered stock savings bank | NY | $7.5 bn | not reported | 5.53% | 10.27% | |
| Northpointe Bank | State nonmember bank | MI | $7.5 bn | 11.10% | 14.05% | 7.12% | |
| Central Pacific Bank | State member bank | HI | $7.5 bn | 13.44% | 14.16% | 42.17% | |
| Needham Bank | State member bank | MA | $7.4 bn | 11.50% | 9.14% | 28.20% | |
| TBK BANK, SSB | State-chartered stock savings bank | TX | $7.4 bn | 11.36% | 4.16% | 26.37% | |
. FDIC Call Reports.
Last eight quarters
Two years at Northpointe Bank, to : assets +39.8%, deposits +48.5%, equity +48.2%. Staff 524 to 495.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $5.4 bn | $5.2 bn | $5.9 bn | $6.4 bn | $6.8 bn | $7.0 bn | $7.4 bn | $7.5 bn |
| Total deposits | $3.5 bn | $3.4 bn | $3.8 bn | $4.5 bn | $4.8 bn | $4.9 bn | $5.0 bn | $5.3 bn |
| Bank equity capital | $477.9 mn | $485.1 mn | $588.0 mn | $609.5 mn | $642.7 mn | $662.3 mn | $685.6 mn | $708.3 mn |
| CET1 ratio | 10.78% | 11.56% | 11.95% | 11.15% | 10.96% | 11.21% | 10.89% | 11.10% |
| Return on equity (ROE) | 13.17% | 12.26% | 13.35% | 14.00% | 14.33% | 14.59% | 14.35% | 14.05% |
| Uninsured share of domestic deposits | 8.29% | 9.04% | 9.82% | 7.62% | 7.25% | 7.75% | 7.66% | 7.12% |
| Full-time equivalent employees | 524 | 500 | 492 | 481 | 480 | 487 | 488 | 495 |
| Number of offices | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Northpointe Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Northpointe Bank?
Northpointe Bank reported $7.5 bn at in its Call Report. That makes Northpointe Bank the 207th largest of 497 banks in our US coverage.
Is Northpointe Bank the same as its holding company?
No. This page covers Northpointe Bank, FDIC certificate 34953; NORTHPOINTE BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Northpointe Bank profitable?
Northpointe Bank reported net income of $48.2 mn for the year to ; annualized return on equity: 14.05%. So yes: Northpointe Bank made a profit over these months.
When is data for Northpointe Bank next updated?
Figures from Northpointe Bank for are due after .
Where can I check the figures for Northpointe Bank?
In the FDIC BankFind Suite record for certificate 34953, and in the Call Reports of Northpointe Bank (RSSD ID 2737980) at the FFIEC Central Data Repository.