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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.34% | 1.37% | 1.39% | 1.34% | 1.32% | -3 bps | |
| Return on Equity | 14.00% | 14.33% | 14.59% | 14.35% | 14.05% | +6 bps | |
| Net Interest Margin | 2.23% | 2.22% | 2.20% | 2.47% | 2.38% | +15 bps | |
| Efficiency Ratio | 52.90% | 52.41% | 51.85% | 51.51% | 51.68% | -122 bps | |
| Non-Interest Burden | 0.49% | 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 / Loans | 1.49% | 1.35% | 1.44% | 1.30% | 1.23% | -26 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.04% | 0.05% | 0.02% | 0.02% | 0 bps | |
| Allowance / Loans | 0.21% | 0.20% | 0.16% | 0.14% | 0.14% | -7 bps | |
| Allowance Coverage of NPLs | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.98% | 9.79% | 9.50% | 9.75% | 9.54% | -44 bps | |
| Total Risk-Based Capital | 11.34% | 11.14% | 11.35% | 11.05% | 11.26% | -8 bps | |
| Equity / Assets | 9.48% | 9.40% | 9.43% | 9.27% | 9.41% | -7 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 129.60% | 130.33% | 129.50% | 133.53% | 129.28% | -32 bps | |
| Liquid Assets / Assets | 6.44% | 6.11% | 7.02% | 6.57% | 7.10% | +66 bps | |
| CRE / Total Capital | n/a | 25.38% | 22.46% | 19.65% | n/a | n/a | |