Northpointe Bank
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Data as of · sourced from FFIEC call reports. How we update
Northpointe Bank is an FDIC-insured commercial bank headquartered in Grand Rapids, MI, established in 1999 (FDIC certificate 34953), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $7.53B, up 17.1% from Q2 2025, the largest of 72 banks headquartered in Michigan. Its CET1 capital ratio was 11.10% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34953
- Headquarters
- Grand Rapids, MI
- Established
- 1999
- Total assets, Q2 2026
- $7.53B
- Assets vs Q2 2025
- +17.1%
- CET1 ratio, Q2 2026
- 11.10%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 072413926
- Holding company
- NORTHPOINTE BANCSHARES, INC.
- Asset rank in state
- 1st of 72 in Michigan
Northpointe Bank, based in Grand Rapids, Michigan, reported $7.5 billion in assets at June 30, 2026, up 17.1% from a year earlier. It keeps 2.46 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also pays an average of 3.70% on its deposits and borrowings, about double the median of 2.01% for banks its size.
Net income for the quarter rose 12% from a year earlier, to $24 million. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.84% of loans, down from 1.00% a year earlier. Where it has less room is capital: it holds common equity equal to 11.10% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.52%).
As of June 30, 2026, Northpointe Bank reported a CET1 capital ratio of 11.10%, a return on assets of 1.29%, a nonperforming-loan ratio of 1.23% and a Texas ratio of 8.37%. The figures come from its call report filed with the FFIEC.
Northpointe Bank ranks as the largest of the 72 banks based in Michigan, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.8% to $7.53B, loans rose 1.2% and deposits rose 4.6%. Loans to nondepository financial institutions made up 58.1% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 39.9%. The FDIC Summary of Deposits lists a single office for it, in Grand Rapids, MI. On its Q2 2026 call report, Northpointe Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3333 Deposit Dr Ne, Grand Rapids, MI 49546
- County
- Kent
- Metro Area
- Grand Rapids-Wyoming-Kentwood, MI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 21, 1999
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 495
- Domestic deposits
- $5.25B
- Allowance for credit losses
- $9.4M
- Net charge-offs (YTD)
- $794K
- Average total assets
- $7.42B
- Average total loans
- $6.67B
- Average interest-bearing deposits
- $4.97B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 21, 1999
- FDIC Cert
- 34953
- Fed RSSD
- 2737980
- SEC CIK
- 1336706 → filed by NORTHPOINTE BANCSHARES, INC.
- Website
- www.northpointe.com →
- Parent Holding Company
- NORTHPOINTE BANCSHARES, INC. (RSSD 2737814) · NPB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Williams Charles Alan | CEO | CHAIRMAN & CEO |
| Kevin J Comps | PRES | PRESIDENT & SECRETARY |
| Brad T Howes | CFO | EVP, CHIEF FINANCIAL OFFICER |
| Joseph B Long | COO | Chief Operating Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Northpointe Bank's total assets moved between a low of $4.76B (Q4 2023) and a high of $7.53B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$7.53B total assets against $6.43B; $6.82B total liabilities against $5.82B.
$6.78B net loans and leases against $5.82B; $5.25B total deposits against $4.50B.
$6.2M securities against $10.1M; $538.4M cash and balances due against $415.7M.
$107.0M total interest income against $93.1M; $62.1M total interest expense against $55.9M.
$44.9M net interest income against $37.2M.
$22.0M total noninterest income against $22.5M; $34.8M total noninterest expense against $31.2M.
$210K provision for credit losses against $582K.
$24.0M net income against $21.3M.
1.29% return on assets against 1.40%; 2.46% net interest margin against 2.48%.
11.10% CET1 capital ratio against 11.15%; 9.54% tier 1 leverage ratio against 9.98%.
Inside the full Northpointe Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Northpointe Bank rankings
Its closest position to the top of a national ranking is 205 of 4,196, for total assets; its furthest is 954 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.86% (Q4 2024) to 1.48% (Q3 2024) and its net interest margin ran from 2.28% (Q3 2024) to 2.59% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.10% | 1.29% | 1.23% | 8.37% | 2.46% |
| Q1 2026 | 10.89% | 1.38% | 1.30% | 9.14% | 2.51% |
| Q4 2025 | 11.21% | 1.41% | 1.44% | 9.60% | 2.59% |
| Q3 2025 | 10.96% | 1.41% | 1.35% | 8.84% | 2.54% |
| Q2 2025 | 11.15% | 1.40% | 1.49% | 9.44% | 2.48% |
| Q1 2025 | 11.95% | 1.34% | 1.62% | 9.65% | 2.37% |
| Q4 2024 | 11.56% | 0.86% | 1.70% | 10.01% | 2.34% |
| Q3 2024 | 10.78% | 1.48% | 1.68% | 9.19% | 2.28% |
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Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Northpointe Bank (main office) | Grand Rapids , MI | 49546 | $5.25B |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- January 21, 2009, Federal Reserve: Written Agreement: Northpointe Bancshares, Inc., Grand Rapids, Michigan
- Period: Most recent institution action January 21, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.7% of deposits in MI, rank 8 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 10,584 applications, 6,396 loans originated, $2.56B originated, across 51 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $635K approved, $318K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Northpointe Bank
What are Northpointe Bank's total assets?
As of the Q2 2026 filing, Northpointe Bank reported total assets of $7.53 billion in its FFIEC call report.
Where is Northpointe Bank headquartered?
It is headquartered in Grand Rapids, MI, United States.
When was Northpointe Bank founded?
It was established in 1999, per the FDIC institution directory.
Is Northpointe Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34953). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Northpointe Bank?
Northpointe Bank's primary federal regulator is the FDIC.
What is Northpointe Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.10% in its Q2 2026 call report, above regulatory requirements.
How many branches does Northpointe Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Northpointe Bank's Texas Ratio?
Its Texas Ratio is 8.37% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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