Northpointe Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Northpointe Bank of Grand Rapids, MI against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.29% | 1.44% | -0.15% | 52nd above |
| ROAE | 13.76% | 12.50% | +1.26% | 60th above |
| Net Interest Margin | 2.46% | 3.84% | -1.38% | 5th bottom |
| Efficiency Ratio | 51.85% | 58.88% | -7.03% | 70th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.73% | 1.78% | -0.05% | 51st above |
| Yield on Earning Assets | 5.86% | 5.71% | +0.15% | 68th above |
| Cost of Funds | 3.70% | 2.03% | +1.67% | 2nd bottom |
| Net Interest Spread | 1.99% | 3.18% | -1.19% | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.23% | 0.96% | +0.27% | 26th below |
| NPA / Total Assets | 1.15% | 0.75% | +0.40% | 20th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.31% | -0.28% | 48th below |
| ACL / Total Loans | 0.14% | 1.25% | -1.11% | 1st bottom |
| ACL / NPLs (Coverage) | 11.28% | 699.60% | -688.32% | 0th bottom |
| Texas Ratio | 12.61% | 7.16% | +5.45% | 16th bottom |
| Provision / NCO | -25.82% | 815.65% | -841.47% | 6th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.10% | 17.42% | -6.32% | 12th bottom |
| Tier 1 Ratio | 11.10% | 17.45% | -6.35% | 11th bottom |
| Total Capital Ratio | 11.26% | 18.51% | -7.25% | 2nd bottom |
| Leverage Ratio | 9.54% | 11.60% | -2.06% | 23rd bottom |
| Equity / Assets | 9.41% | 11.33% | -1.92% | 30th below |
| TCE / Tangible Assets | 9.39% | 10.65% | -1.26% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 129.28% | 86.31% | +42.97% | 1st bottom |
| Core Deposit Ratio | 37.98% | 85.61% | -47.63% | 1st bottom |
| Uninsured Deposit Ratio | 7.12% | 32.74% | -25.62% | 98th top |
| Wholesale Funding Ratio | 20.10% | 5.43% | +14.67% | 2nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 17.08% | 10.45% | +6.63% | 89th top |
| Loan Growth (Y/Y) | 16.54% | 7.98% | +8.56% | 89th top |
| Deposit Growth (Y/Y) | 16.83% | 7.97% | +8.86% | 88th top |
See Northpointe Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Northpointe Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Northpointe Bank profile, how to read a UBPR, or how this data updates.