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Northpointe Bank

Grand Rapids, MI · Cert 34953 · Northpointe Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

19

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

73

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Northpointe Bank

Grand Rapids, MI · Cert 34953 · Northpointe Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$7.5BAssets
$6.8BLoans
$5.3BDeposits
$708.3MEquity
Loan mix
100%RE $2.8B0%C&I $0.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $5.0B5%Noninterest $0.3BQ2 2025Q2 2026

NIM

5.96%Q2 ’245.64%Q2 ’255.62%Q2 ’26+0%+7%

Non-interest income vs. expense

2.19%Q2 ’241.98%Q2 ’251.86%Q2 ’26-44%+35%

Market Position · Grand Rapids-Wyoming-Kentwood, MI · 2026 SOD (annual) · 15.3% share · #3 of 28 inst. · $5.3B of $34.4B

Executive Summary

  • Earnings: ROA of 1.32%, down 3 bps year over year; NIM at 2.38%.
  • Asset quality: problem loans at 1.23% of loans (-26 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.54%, down 44 bps from a year ago.
  • Funding: loans stand at 129.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.32%-3 bps YoY

Net Interest Margin (YTD, annualized)

2.38%+15 bps YoY

Efficiency Ratio (YTD, annualized)

51.68%-122 bps YoY

Tier 1 Leverage Ratio

9.54%-44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.37%1.39%1.34%1.32%-3 bps
Return on Equity14.00%14.33%14.59%14.35%14.05%+6 bps
Net Interest Margin2.23%2.22%2.20%2.47%2.38%+15 bps
Efficiency Ratio52.90%52.41%51.85%51.51%51.68%-122 bps
Non-Interest Burden0.49%0.50%0.52%0.67%0.66%+17 bps
Growth
Asset Growth (YoY)24.54%26.99%34.43%26.21%17.08%-746 bps
Loan Growth (YoY)26.21%30.90%36.30%25.28%16.54%-966 bps
Deposit Growth (YoY)36.08%35.09%42.58%30.49%16.83%-1,925 bps
Asset Quality
Nonperforming Loans / Loans1.49%1.35%1.44%1.30%1.23%-26 bps
Net Charge-Offs / Loans0.03%0.04%0.05%0.02%0.02%0 bps
Allowance / Loans0.21%0.20%0.16%0.14%0.14%-7 bps
Allowance Coverage of NPLs0.1x0.1x0.1x0.1x0.1x0.0x
Capital
Tier 1 Leverage Ratio9.98%9.79%9.50%9.75%9.54%-44 bps
Total Risk-Based Capital11.34%11.14%11.35%11.05%11.26%-8 bps
Equity / Assets9.48%9.40%9.43%9.27%9.41%-7 bps
Liquidity & Funding
Loans / Deposits129.60%130.33%129.50%133.53%129.28%-32 bps
Liquid Assets / Assets6.44%6.11%7.02%6.57%7.10%+66 bps
CRE / Total Capitaln/a25.38%22.46%19.65%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Northpointe Bank

Grand Rapids, MI · Cert 34953 · Peer group: banks $1B-$10B in assets (n=322-328) · Northpointe Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$7.5BAssets
$6.8BLoans
$5.3BDeposits
$708.3MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 73% of banks $1B-$10B in assets (rank 88 of 328).
  • Widest gap: net interest margin trails 96% of banks $1B-$10B in assets (rank 316 of 328).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.28%

Rank 142 of 328

Net Interest Margin

2.38%

Rank 316 of 328

Efficiency Ratio

51.90%

Rank 88 of 328

Equity / Assets

9.41%

Rank 228 of 328

Non-interest income vs. expense

$88.4M$137.6MINCOMEEXPENSE
Unfavorable gap of $49.2M · efficiency ratio beats 73% of banks $1B-$10B in assets
Bank 51.90%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.28%0.91%1.22%1.52%Beats 57%142 / 328
Return on Equity13.60%8.43%11.45%14.43%Beats 69%102 / 328
Net Interest Margin2.38%3.03%3.45%3.83%Beats 4%316 / 328
Efficiency Ratio51.90%51.61%59.56%67.53%Beats 73%88 / 328
Asset Quality
Nonperforming Loans / Loans1.23%0.24%0.51%1.03%Beats 22%252 / 322
Net Charge-Offs / Loans0.01%0.01%0.03%0.10%Beats 66%111 / 322
Capital
Tier 1 Capital Ratio11.10%11.75%13.15%15.47%Beats 16%275 / 328
Total Risk-Based Capital Ratio11.26%12.63%14.15%16.46%Beats 12%289 / 328
Equity / Assets9.41%9.15%10.33%12.01%Beats 30%228 / 328
Liquidity & Funding
Loans / Deposits129.28%76.63%87.92%95.36%99th pctl4 / 323
Loans / Assets90.21%65.18%74.15%79.98%98th pctl8 / 328
Brokered Deposits / Depositsn/aNot reported for this institution