Northpointe Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.26% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 3.26% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 11.10% +4.60 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $707.5M | 707,467 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.37B | 6,371,105 | RCOAA223 |
| Recomputed ratio | 11.10% | numerator / denominator | |
| Filed ratio | 11.10% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.60 pp | $293.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 11.10% +3.10 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $707.5M | 707,467 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.37B | 6,371,105 | RCOAA223 |
| Recomputed ratio | 11.10% | numerator / denominator | |
| Filed ratio | 11.10% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +3.10 pp | $197.8M | capital that could be lost first |
Total risk-based capital ratio 11.26% +1.26 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $717.2M | 717,233 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.37B | 6,371,105 | RCOAA223 |
| Recomputed ratio | 11.26% | numerator / denominator | |
| Filed ratio | 11.26% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.26 pp | $80.1M | capital that could be lost first |
Tier 1 leverage ratio 9.54% +4.54 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $707.5M | 707,467 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $7.42B | 7,415,105 | RCOAA224 |
| Recomputed ratio | 9.54% | numerator / denominator | |
| Filed ratio | 9.54% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.54 pp | $336.7M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 317,059 | 317,059 | 300,059 | 300,059 | 290,059 | 290,059 | RCOAP742 |
| Retained earnings | 391,327 | 368,644 | 364,344 | 344,675 | 321,433 | 300,090 | RCOAKW00 |
| Accumulated other comprehensive income | (90) | (88) | (199) | (190) | (164) | (310) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 708,296 | 685,615 | 664,204 | 644,544 | 611,328 | 589,839 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (829) | (941) | (949) | (1,077) | (1,215) | (1,180) | P859 - P840 |
| Common equity Tier 1 capital | 707,467 | 684,674 | 663,255 | 643,467 | 610,113 | 588,659 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 707,467 | 684,674 | 663,255 | 643,467 | 610,113 | 588,659 | RCOA8274 |
| Tier 2 capital | 9,766 | 10,084 | 8,333 | 10,124 | 10,273 | 10,178 | RCOA5311 |
| Allowance includable in Tier 2 capital | 9,766 | 10,084 | 8,333 | 10,124 | 10,273 | 10,178 | RCOA5310 |
| Total capital | 717,233 | 694,758 | 671,588 | 653,591 | 620,386 | 598,837 | RCOA3792 |
| Total risk-weighted assets | 6,371,105 | 6,286,276 | 5,915,841 | 5,868,553 | 5,469,579 | 4,924,471 | RCOAA223 |
| Average total assets for the leverage ratio | 7,415,105 | 7,020,575 | 6,978,944 | 6,575,392 | 6,110,854 | 5,347,335 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $538.4M | $12.9M | 2.40% | 0.20% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $6.3M | $6.3M | 100.00% | 0.10% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $2.59B | $1.52B | 58.49% | 23.78% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $606K | $909K | 150.00% | 0.01% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $122.8M | $122.8M | 100.00% | 1.93% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $4.08B | $4.08B | 100.00% | 64.02% | RC-R Part II, item 4.d, 5.d |
| All other assets | $171.5M | $145.3M | 84.70% | 2.28% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $29.3M | $366.8M | 1250.00% | 5.76% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $223.0M | $122.4M | 54.89% | 1.92% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $300 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $6.37B | ties to item 31 ($6.37B) |
|---|---|---|
| Risk-weighted assets before deductions | $6.37B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $6.37B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 11.10% | 11.10% | 11.26% | 9.54% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 10.89% | 10.89% | 11.05% | 9.75% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.21% | 11.21% | 11.35% | 9.50% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 10.96% | 10.96% | 11.14% | 9.79% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.15% | 11.15% | 11.34% | 9.98% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.95% | 11.95% | 12.16% | 11.01% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.56% | 11.56% | 11.93% | 9.09% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 10.78% | 10.78% | 11.22% | 9.11% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.75% | 10.75% | 11.21% | 9.12% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.60% | 10.60% | 11.00% | 9.57% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.82% | 10.82% | 11.26% | 9.45% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.09% | 11.09% | 11.57% | 9.43% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Northpointe Bank (this bank) | Risk-based | 11.10% | 11.10% | 11.26% | 9.54% | |
| Ridgewood Savings Bank | $7.55B | CBLR | NA | NA | NA | 13.27% |
| Central Pacific Bank | $7.50B | Risk-based | 13.44% | 13.44% | 14.68% | 9.60% |
| Bank of Colorado | $7.61B | Risk-based | 14.74% | 14.74% | 15.99% | 10.53% |
| Ocean Bank | $7.63B | Risk-based | 11.41% | 11.41% | 12.66% | 9.96% |
| Needham Bank | $7.42B | Risk-based | 11.50% | 11.50% | 12.31% | 10.89% |
| TBK Bank, SSB | $7.40B | Risk-based | 11.36% | 11.36% | 11.97% | 9.91% |
| Kearny Bank | $7.67B | Risk-based | 13.44% | 13.44% | 14.38% | 8.83% |
| Comenity Bank | $7.37B | Risk-based | 15.53% | 15.53% | 16.90% | 13.38% |
| Peer 25th percentile | 11.46% | 11.46% | 12.49% | 9.83% | ||
| Peer median | 13.44% | 13.44% | 14.38% | 10.25% | ||
| Peer 75th percentile | 14.09% | 14.09% | 15.33% | 11.48% | ||
| This bank's percentile | 0 | 0 | 0 | 12 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/2737980/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.