Northpointe Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Total interest expense rose 6.8% in Q2 2026 to $62.1M, the biggest move on this page. On net interest margin, Northpointe Bank is 1st from the bottom among 72 Michigan banks, 2.46% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Northpointe Bank sits 1.25 points lower, at 2.46% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.86% |
| Yield on loans | 6.01% |
| Yield on securities | 3.16% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.70% |
| Cost of interest-bearing deposits | 3.94% |
| Cost of interest-bearing liabilities | 3.87% |
| Cost of borrowings | 3.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.46% |
| Yield to cost spread | 1.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $100.1M |
| Total interest expense | $62.1M |
| Interest expense on deposits | $47.7M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.12% | 4.05% | 2.31% | 6.20% | 5.22% |
| Q4 2023 | 6.29% | 4.20% | 2.36% | 6.36% | 5.25% |
| Q1 2024 | 6.31% | 4.17% | 2.40% | 6.37% | 5.31% |
| Q2 2024 | 6.39% | 4.33% | 2.35% | 6.45% | 5.61% |
| Q3 2024 | 6.48% | 4.50% | 2.28% | 6.55% | 5.70% |
| Q4 2024 | 6.30% | 4.28% | 2.34% | 6.41% | 5.69% |
| Q1 2025 | 6.04% | 3.97% | 2.37% | 6.17% | 5.74% |
| Q2 2025 | 6.20% | 4.03% | 2.48% | 6.32% | 5.70% |
| Q3 2025 | 6.30% | 4.10% | 2.54% | 6.45% | 4.18% |
| Q4 2025 | 6.18% | 3.91% | 2.59% | 6.35% | 3.15% |
| Q1 2026 | 5.87% | 3.65% | 2.51% | 6.03% | 3.15% |
| Q2 2026 | 5.86% | 3.70% | 2.46% | 6.01% | 3.16% |
Northpointe Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Northpointe Bank, freeSource: Call Report Schedules RI and RC-K, 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)