Northpointe Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds purchased and repos dropped 52.8% in Q2 2026, from $180.0M to $85.0M. It was the largest change from Q1 2026 among the key lines here. Among 72 Michigan banks, Northpointe Bank sits 2nd from the top on loan-to-deposit ratio, 129.28% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Northpointe Bank sits 41.08 points higher, at 129.28% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $538.4M |
| Cash and noninterest-bearing balances to assets | 7.15% |
| Cash and securities | $544.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $85.0M |
| Other borrowed money | $1.43B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 18.97% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 129.28% |
| Net loans and leases to deposits | 129.10% |
| Loans and leases to core deposits | 130.87% |
| Core deposits to total deposits | 37.98% |
| Brokered deposits to total deposits | 60.80% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 135.23% | 35.06% | $0 | $1.29B |
| Q4 2023 | 141.00% | 38.84% | $0 | $1.30B |
| Q1 2024 | 149.09% | 38.04% | $0 | $1.40B |
| Q2 2024 | 139.74% | 35.26% | $0 | $1.32B |
| Q3 2024 | 134.50% | 32.51% | $0 | $1.31B |
| Q4 2024 | 135.47% | 35.53% | $0 | $1.26B |
| Q1 2025 | 139.09% | 35.30% | $90.0M | $1.28B |
| Q2 2025 | 129.60% | 29.03% | $0 | $1.28B |
| Q3 2025 | 130.33% | 36.18% | $75.0M | $1.29B |
| Q4 2025 | 129.50% | 39.49% | $0 | $1.42B |
| Q1 2026 | 133.53% | 40.13% | $180.0M | $1.45B |
| Q2 2026 | 129.28% | 37.98% | $85.0M | $1.43B |
Northpointe Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Northpointe Bank, freeSource: Call Report Schedules RC and RC-M, 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)