Grand Rapids, MI · Cert 34953 · Northpointe Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
19
Asset Quality
44
Profitability
43
Liquidity
0
Efficiency
73
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.
Grand Rapids, MI · Cert 34953 · Northpointe Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Grand Rapids-Wyoming-Kentwood, MI · 2026 SOD (annual) · 15.3% share · #3 of 28 inst. · $5.3B of $34.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.20% | 1.12% | 1.29% | 1.34% | 1.37% | 1.39% | 1.34% | 1.32% | -3 bps | |
| Return on Equity | 13.17% | 12.26% | 13.35% | 14.00% | 14.33% | 14.59% | 14.35% | 14.05% | +6 bps | |
| Net Interest Margin | 2.18% | 2.18% | 2.32% | 2.23% | 2.22% | 2.20% | 2.47% | 2.38% | +15 bps | |
| Efficiency Ratio | 58.07% | 59.08% | 53.94% | 52.90% | 52.41% | 51.85% | 51.51% | 51.68% | -122 bps | |
| Non-Interest Burden | 0.65% | 0.77% | 0.47% | 0.49% | 0.50% | 0.52% | 0.67% | 0.66% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.16% | 9.78% | 20.44% | 24.54% | 26.99% | 34.43% | 26.21% | 17.08% | -746 bps | |
| Loan Growth (YoY) | 15.10% | 12.37% | 22.92% | 26.21% | 30.90% | 36.30% | 25.28% | 16.54% | -966 bps | |
| Deposit Growth (YoY) | 15.73% | 16.95% | 31.76% | 36.08% | 35.09% | 42.58% | 30.49% | 16.83% | -1,925 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.68% | 1.70% | 1.62% | 1.49% | 1.35% | 1.44% | 1.30% | 1.23% | -26 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.04% | 0.02% | 0.03% | 0.04% | 0.05% | 0.02% | 0.02% | 0 bps | |
| Allowance / Loans | 0.26% | 0.24% | 0.23% | 0.21% | 0.20% | 0.16% | 0.14% | 0.14% | -7 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.11% | 9.09% | 11.01% | 9.98% | 9.79% | 9.50% | 9.75% | 9.54% | -44 bps | |
| Total Risk-Based Capital | 11.22% | 11.93% | 12.16% | 11.34% | 11.14% | 11.35% | 11.05% | 11.26% | -8 bps | |
| Equity / Assets | 8.87% | 9.29% | 10.03% | 9.48% | 9.40% | 9.43% | 9.27% | 9.41% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 134.50% | 135.47% | 139.09% | 129.60% | 130.33% | 129.50% | 133.53% | 129.28% | -32 bps | |
| Liquid Assets / Assets | 8.08% | 7.13% | 5.44% | 6.44% | 6.11% | 7.02% | 6.57% | 7.10% | +66 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 25.38% | 22.46% | 19.65% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.28% | 0.91% | 1.22% | 1.52% | Beats 57% | 142 / 328 | ||
| Return on Equity | 13.60% | 8.43% | 11.45% | 14.43% | Beats 69% | 102 / 328 | ||
| Net Interest Margin | 2.38% | 3.03% | 3.45% | 3.83% | Beats 4% | 316 / 328 | ||
| Efficiency Ratio | 51.90% | 51.61% | 59.56% | 67.53% | Beats 73% | 88 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.23% | 0.24% | 0.51% | 1.03% | Beats 22% | 252 / 322 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 66% | 111 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.10% | 11.75% | 13.15% | 15.47% | Beats 16% | 275 / 328 | ||
| Total Risk-Based Capital Ratio | 11.26% | 12.63% | 14.15% | 16.46% | Beats 12% | 289 / 328 | ||
| Equity / Assets | 9.41% | 9.15% | 10.33% | 12.01% | Beats 30% | 228 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 129.28% | 76.63% | 87.92% | 95.36% | 99th pctl | 4 / 323 | ||
| Loans / Assets | 90.21% | 65.18% | 74.15% | 79.98% | 98th pctl | 8 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||