Northpointe Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings rose 6.2% from Q1 2026 to Q2 2026, ending at $391.3M against $368.6M. It was the largest change among the key lines on this page. Northpointe Bank ranks 38th of 43 Michigan banks on CET1 ratio, in the lower half at 11.10% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Northpointe Bank sits 2.37 points lower, at 11.10% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.10% |
| Tier 1 risk-based capital ratio | 11.10% |
| Total risk-based capital ratio | 11.26% |
| Tier 1 leverage ratio | 9.54% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $707.5M |
| Tier 1 capital | $707.5M |
| Total risk-based capital | $717.2M |
| Total equity capital | $708.3M |
| Risk-weighted assets | $6.37B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.41% |
| Tangible equity to tangible assets | 9.39% |
| Equity capital to average assets | 9.55% |
| Internal capital growth rate | 13.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.6M |
| Common stock surplus | $314.4M |
| Retained earnings | $391.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$90K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.09% | 11.09% | 11.57% | 9.43% | $4.17B |
| Q4 2023 | 10.82% | 10.82% | 11.26% | 9.45% | $4.17B |
| Q1 2024 | 10.60% | 10.60% | 11.00% | 9.57% | $4.32B |
| Q2 2024 | 10.75% | 10.75% | 11.21% | 9.12% | $4.31B |
| Q3 2024 | 10.78% | 10.78% | 11.22% | 9.11% | $4.45B |
| Q4 2024 | 11.56% | 11.56% | 11.93% | 9.09% | $4.22B |
| Q1 2025 | 11.95% | 11.95% | 12.16% | 11.01% | $4.92B |
| Q2 2025 | 11.15% | 11.15% | 11.34% | 9.98% | $5.47B |
| Q3 2025 | 10.96% | 10.96% | 11.14% | 9.79% | $5.87B |
| Q4 2025 | 11.21% | 11.21% | 11.35% | 9.50% | $5.92B |
| Q1 2026 | 10.89% | 10.89% | 11.05% | 9.75% | $6.29B |
| Q2 2026 | 11.10% | 11.10% | 11.26% | 9.54% | $6.37B |
Northpointe Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Northpointe Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Northpointe Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34953) · FFIEC NIC profile (RSSD 2737980)