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
Unfavorable gap of $49.2M · efficiency ratio beats 73% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |