Northpointe Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.26 percentage points lower than in Q1 2026, at 129.28%. Within Michigan, Northpointe Bank is 33rd of 72 on return on assets, 1.29% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets; Northpointe Bank reported 1.29% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.10% |
| Tier 1 risk-based capital ratio | 11.10% |
| Total risk-based capital ratio | 11.26% |
| Tier 1 leverage ratio | 9.54% |
| Equity capital to assets | 9.41% |
| Tangible equity to tangible assets | 9.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.23% |
| Non-performing assets ratio | 1.15% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 12.61% |
| Allowance for credit losses to loans | 0.14% |
| Reserve coverage of non-performing loans | 11.28% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 13.76% |
| Net interest margin | 2.46% |
| Efficiency ratio | 51.85% |
| Yield on earning assets | 5.86% |
| Cost of funds | 3.70% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 129.28% |
| Core deposits to total deposits | 37.98% |
| Brokered deposits to total deposits | 60.80% |
| Deposits to assets | 69.78% |
| Securities to assets | 0.08% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.09% | 11.09% | 11.57% | 9.43% | 0.94% |
| Q4 2023 | 10.82% | 10.82% | 11.26% | 9.45% | 0.09% |
| Q1 2024 | 10.60% | 10.60% | 11.00% | 9.57% | 1.05% |
| Q2 2024 | 10.75% | 10.75% | 11.21% | 9.12% | 1.07% |
| Q3 2024 | 10.78% | 10.78% | 11.22% | 9.11% | 1.48% |
| Q4 2024 | 11.56% | 11.56% | 11.93% | 9.09% | 0.86% |
| Q1 2025 | 11.95% | 11.95% | 12.16% | 11.01% | 1.34% |
| Q2 2025 | 11.15% | 11.15% | 11.34% | 9.98% | 1.40% |
| Q3 2025 | 10.96% | 10.96% | 11.14% | 9.79% | 1.41% |
| Q4 2025 | 11.21% | 11.21% | 11.35% | 9.50% | 1.41% |
| Q1 2026 | 10.89% | 10.89% | 11.05% | 9.75% | 1.38% |
| Q2 2026 | 11.10% | 11.10% | 11.26% | 9.54% | 1.29% |
Northpointe Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Northpointe Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)