Northpointe Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.26 percentage points lower than in Q1 2026, at 129.28%. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.79B |
| Net loans and leases | $6.78B |
| Loans held for sale | $312.0M |
| Loans to total assets | 90.21% |
| Loan-to-deposit ratio | 129.28% |
| Net loans to equity capital | 9.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.01% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.22% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 16.87% |
| Construction concentration (Tier 1 capital + allowance) | 16.86% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $100.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $4.13B | $3.06B | 0.03% | 0.04% | 0.01% |
| Q4 2023 | $4.13B | $2.93B | 0.03% | 0.40% | 0.00% |
| Q1 2024 | $4.36B | $2.92B | 0.03% | 0.04% | 0.00% |
| Q2 2024 | $4.62B | $3.30B | 0.02% | 0.00% | 0.00% |
| Q3 2024 | $4.76B | $3.54B | 0.02% | 0.00% | 0.00% |
| Q4 2024 | $4.64B | $3.43B | 0.02% | 0.15% | 0.00% |
| Q1 2025 | $5.35B | $3.85B | 0.02% | 0.00% | 0.00% |
| Q2 2025 | $5.83B | $4.50B | 0.01% | 0.00% | 0.00% |
| Q3 2025 | $6.23B | $4.78B | 0.01% | 0.16% | 0.00% |
| Q4 2025 | $6.33B | $4.89B | 0.01% | 0.24% | 0.00% |
| Q1 2026 | $6.71B | $5.02B | 0.01% | 0.00% | 0.00% |
| Q2 2026 | $6.79B | $5.25B | 0.01% | 0.22% | 0.00% |
Northpointe Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Northpointe Bank, freeSource: Call Report Schedule RC-C, 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)