NORTHPOINTE BANCSHARES (NPB) Company Report

NPB reported net income to common stockholders of $18.4 million and diluted earnings per share of $0.52 for Q4 2025.
The company achieved total deposit growth of $100.0 million, an 8% annualized increase, significantly boosted by a $234.2 million increase in savings & money market deposits resulting from a new digital deposit relationship initiative.
Portfolio growth included a $60.1 million increase in the Mortgage Purchase Program (7% annualized) and $31.0 million in All-in-One loans (18% annualized).
Key performance ratios for Q4 2025 included an annualized return on average assets of 1.34% and an annualized return on average equity of 14.82%.
Asset quality metrics for Q4 2025 showed net charge-offs of $1.2 million and non-performing assets to total assets of 1.32%.

Jan 21, 2026, 3:00 PM

Presentation

Northpointe Bancshares Reports Strong 2025 Earnings and Provides 2026 Guidance

NPB

Earnings

Guidance Update

Revenue Acceleration/Inflection

Northpointe Bancshares reported diluted earnings per share of $2.11 for 2025, a 15% increase from $1.83 in 2024, with total assets growing to over $7 billion from $5.2 billion at the end of 2024.
For Q4 2025, net income to common stockholders was $18.4 million, or $0.52 per diluted share, and the net interest margin was 2.51%.
The company experienced significant growth in 2025, with Mortgage Purchase Program (MPP) balances increasing by over $1.7 billion and residential mortgage originations rising 20% to $2.5 billion.
For 2026, Northpointe Bancshares projects a net interest margin between 2.45% and 2.55% and total non-interest expense in the range of $138 million to $142 million.
The company also provided 2026 guidance for total saleable mortgage originations of $2.2 billion to $2.4 billion, with all-in margins of 2.75% to 3.25%.

Jan 21, 2026, 3:00 PM

Transcript

NPB Reports Strong Q4 and Full-Year 2025 Results, Provides 2026 Guidance

NPB

Earnings

Guidance Update

Revenue Acceleration/Inflection

NPB reported full-year 2025 diluted earnings per share of $2.11, a 15% increase from $1.83 in 2024, with total assets growing to over $7 billion by December 31, 2025, from $5.2 billion at the end of 2024.
The company achieved a net interest margin of 2.51% for Q4 2025 and 2.45% for the full year 2025, and provided 2026 guidance for net interest margin in the range of 2.45% to 2.55%.
Loan growth was robust, with MPP balances increasing by over $1.7 billion from the prior year and All-in-One loans growing by 20% annually. MPP balances represented 54% of all loans at December 31, 2025.
For full-year 2026, NPB expects MPP loan balances to increase to between $4.1 and $4.3 billion and total saleable mortgage originations to be between $2.2 and $2.4 billion.
Asset quality remained strong, with an annualized charge-off ratio of eight basis points in Q4 2025 and five basis points for the full year 2025.

Jan 21, 2026, 3:00 PM

Transcript

Northpointe Bancshares Reports Strong FY 2025 Results and Provides Positive 2026 Guidance

NPB

Earnings

Guidance Update

Revenue Acceleration/Inflection

Northpointe Bancshares (NPB) reported strong financial results for fiscal year 2025, with diluted earnings per share increasing by 15% to $2.11 and total assets growing from $5.2 billion at the end of 2024 to over $7 billion at the end of 2025.
For Q4 2025, NPB reported net income to common stockholders of $18.4 million, or $0.52 per diluted share, with a net interest margin of 2.51%.
The company provided positive guidance for fiscal year 2026, expecting net interest margin to be between 2.45% and 2.55%, total saleable mortgage originations between $2.2 billion and $2.4 billion, and total non-interest expense in the range of $138 million to $142 million.
Growth was significantly driven by the Mortgage Purchase Program (MPP) and All-in-One (AIO) loans, with MPP balances increasing by over $1.7 billion from the prior year and AIO loans growing by $121 million.
NPB also focused on strengthening its funding, ending Q4 2025 with $4.9 billion in total deposits, including a $234.2 million increase in savings and money market deposits from a new digital deposit relationship.

Jan 21, 2026, 3:00 PM

Transcript

Northpointe Bancshares Announces Completion of Subordinated Notes Offering

NPB

Debt Issuance

Northpointe Bancshares, Inc. completed a private placement of $70,000,000 in 7.50% Fixed-to-Floating Rate Subordinated Notes due 2035 on December 9, 2025.
The net proceeds from this offering will be used to redeem its existing 8.25% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series A, with the redemption effective December 30, 2025.
The Notes will bear a fixed interest rate of 7.50% per annum until December 15, 2030, and then transition to a floating rate equal to Three-Month Term Secured Overnight Financing Rate (SOFR) plus 424 basis points.
These Notes are structured to qualify as Tier 2 capital for regulatory purposes.

Dec 9, 2025, 9:44 PM

8-K

Northpointe Bancshares Completes Subordinated Notes Offering

NPB

Debt Issuance

Northpointe Bancshares, Inc. completed a private placement of $70,000,000 in aggregate principal amount of 7.50% Fixed-to-Floating Rate Subordinated Notes due 2035.
The company intends to use the net proceeds to redeem its existing 8.25% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series A, effective December 30, 2025.
The Notes will initially bear a fixed interest rate of 7.50% per annum until December 15, 2030, after which the interest rate will reset quarterly to a floating rate.
These Notes have been structured to qualify as Tier 2 capital for Northpointe for regulatory capital purposes.

Dec 9, 2025, 9:30 PM

Press Release

Northpoint Bancshares Reports Strong Q3 2025 Earnings and Business Growth

NPB

Earnings

Guidance Update

Revenue Acceleration/Inflection

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.
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. The company funded a record $9.8 billion in loans through this channel during the quarter.
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.
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. Net interest margin is projected to be at the higher end of the 2.45% to 2.55% range for 2026.
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.

Oct 22, 2025, 2:00 PM

Transcript

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

NPB

Earnings

Guidance Update

New Projects/Investments

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.
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. The company funded $9.8 billion in loans through MPP in Q3.
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.
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. The net interest margin is projected to be in the 2.45% to 2.55% range, at the higher end.
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.

Oct 22, 2025, 2:00 PM

Transcript

Northpointe Bancshares Reports Strong Q3 2025 Earnings and Provides 2026 Guidance

NPB

Earnings

Guidance Update

Debt Issuance

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.
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.
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.
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.

Oct 22, 2025, 2:00 PM

Transcript

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

NPB

Earnings

Guidance Update

Debt Issuance

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.
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.
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.
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.
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.