Crispin Love

Damon Del Monte

Christopher Marinac

- Northpoint Bancshares (NPB) reported **net earnings of $20.1 million** or **$0.57 per diluted share** for Q3 2025, with a **1.34% return on assets** and **15.41% return on average tangible common equity**.  **[0001336706_2195797_1]** 
- The Mortgage Purchase Program (MPP) channel demonstrated exceptional growth, with balances reaching **$3.4 billion** by quarter-end, an increase of **$473 million** from the prior quarter and **$1.7 billion** year-over-year.  **[0001336706_2195797_1]**  The company funded a record **$9.8 billion** in loans through this channel during the quarter.  **[0001336706_2195797_1]** 
- Total deposits increased to **$4.8 billion**, driven by a **$306.9 million increase** in interest-bearing demand deposits from a new core custodial deposit relationship.  **[0001336706_2195797_4]** 
- The company provided guidance for 2026, expecting MPP loan balances to grow to between **$4.1 billion and $4.3 billion**, and total non-interest expense to be in the range of **$140 million to $144 million**.  **[0001336706_2195797_6]** **[0001336706_2195797_10]**  Net interest margin is projected to be at the higher end of the **2.45% to 2.55%** range for 2026.  **[0001336706_2195797_6]** 
- Asset quality remains strong, with an annualized net charge-off ratio of **seven basis points** to average loans, despite an increase in net charge-offs to **$977,000** in Q3 2025.  **[0001336706_2195797_5]**

Northpoint Bancshares Reports Strong Q3 2025 Earnings and Business Growth

- Northpointe Bancshares reported **net income of $20.1 million** or **$0.57 per diluted share** for Q3 2025, achieving a **1.34% return on assets** and a **15.41% return on average tangible common equity**.  **[0001336706_2196789_1]** 
- The Mortgage Purchase Program (MPP) saw significant growth, with balances reaching **$3.4 billion** at the end of Q3 2025, up **$473 million** from the prior quarter and **$1.7 billion** year-over-year.  **[0001336706_2196789_1]**  The company funded **$9.8 billion** in loans through MPP in Q3.  **[0001336706_2196789_1]** 
- Total deposits increased to **$4.8 billion** by the end of Q3 2025, primarily due to a **$306.9 million** increase in interest-bearing demand deposits from a new core custodial relationship.  **[0001336706_2196789_4]** 
- For 2026, management expects MPP loan balances to grow to between **$4.1 billion and $4.3 billion** and all-in-one loan balances to increase to between **$900 million and $1.0 billion** by year-end.  **[0001336706_2196789_6]**  The net interest margin is projected to be in the **2.45% to 2.55% range**, at the higher end.  **[0001336706_2196789_6]** 
- The company anticipates calling its **$77 million** Series A perpetual preferred stock before year-end 2025, with the goal of replacing it with subordinated debt to optimize its capital structure and be accretive to earnings per share.  **[0001336706_2196789_8]**

Northpointe Bancshares Reports Strong Q3 2025 Financial Performance and Provides 2026 Guidance

- Northpointe Bancshares, Inc. (NPB) reported **Q3 2025 earnings of $20.1 million, or $0.57 per diluted share**, achieving a **1.34% return on assets** and a **15.41% return on average tangible common equity**.  **[0001336706_2195754_1]** 
- The Mortgage Purchase Program (MPP) channel demonstrated robust growth, with balances reaching **$3.4 billion** and **$9.8 billion** in loans funded, marking a record high for the company.  **[0001336706_2195754_1]** 
- Total deposits increased to **$4.8 billion** in Q3 2025, significantly boosted by a **$306.9 million** increase in interest-bearing demand deposits from a new core custodial relationship.  **[0001336706_2195754_4]** 
- For full-year 2026, the company forecasts its net interest margin (NIM) to be at the higher end of the **2.45% to 2.55%** range, and plans to call its **$77 million Series A perpetual preferred stock** before year-end 2025, intending to replace it with subordinated debt to optimize its capital structure.  **[0001336706_2195754_6]** **[0001336706_2195754_8]**

Northpointe Bancshares Reports Strong Q3 2025 Earnings and Provides 2026 Guidance

- Northpointe Bancshares reported **strong financial performance** in Q3 2025, with **earnings of $20.1 million** or **$0.57 per diluted share**, a **1.34% return on assets**, and a **15.41% return on average tangible common equity**.  **[0001336706_2196823_1]** 
- The **Mortgage Purchase Program (MPP) business experienced exceptional growth**, with balances reaching **$3.4 billion** and **$9.8 billion in loans funded**, marking the highest quarterly level ever for Northpointe.  **[0001336706_2196823_1]** 
- Funding benefited from a **new core custodial deposit relationship**, which drove approximately a **$300 million increase** in interest-bearing demand deposits from the prior quarter.  **[0001336706_2196823_1]** **[0001336706_2196823_4]** 
- Management provided **guidance for full-year 2025 and 2026**, projecting net interest margin (NIM) in the **2.45%-2.55% range** for both years (lower end for 2025, higher end for 2026), continued growth in MPP and All-in-One (AIO) loan balances, and total non-interest expense of **$140 million-$144 million** for full-year 2026.  **[0001336706_2196823_6]** **[0001336706_2196823_7]** **[0001336706_2196823_10]** 
- The company plans to **optimize its capital structure** by anticipating the call of its **$77 million Series A perpetual preferred stock** before year-end 2025, aiming to replace it with subordinated debt.  **[0001336706_2196823_8]**

Northpointe Bancshares Reports Strong Q3 2025 Earnings and Provides 2025-2026 Guidance

- **Northpointe Bancshares, Inc.** reported **net income to common stockholders** of **$20.1 million**, or **$0.57 per diluted share**, for the third quarter of 2025, an increase from $18.0 million ($0.51 per diluted share) in the prior quarter.  **[1336706_0001336706-25-000006_northpointe-202509xxexx991.htm:0]** **[1336706_0001336706-25-000006_northpointe-202509xxexx991.htm:10]** 
- Key performance metrics for Q3 2025 included a **return on average equity** of **14.23%** and an **efficiency ratio** of **53.38%**, indicating improved financial performance from the prior quarter.  **[1336706_0001336706-25-000006_northpointe-202509xxexx991.htm:0]** **[1336706_0001336706-25-000006_northpointe-202509xxexx991.htm:12]** 
- The company experienced significant balance sheet growth, with **total assets** reaching **$6.84 billion** and **total deposits** increasing to **$4.77 billion** as of September 30, 2025.  **[1336706_0001336706-25-000006_northpointe-202509xxexx991.htm:3]** **[1336706_0001336706-25-000006_q32025earningscallslides.htm:7]** **[1336706_0001336706-25-000006_northpointe-202509xxexx991.htm:11]** 
- A regular quarterly cash dividend of **$0.025 per share** was declared, payable on November 3, 2025.  **[1336706_0001336706-25-000006_northpointe-202509xxexx991.htm:1]**

NORTHPOINTE BANCSHARES (NPB)