)
Visual22 Oct 2025
Epiroc's cash spent on M&A
Northpointe Bancshares (NPB) investor relations material
Northpointe Bancshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Net income to common stockholders was $20.1 million ($0.57 per diluted share) for Q3 2025, with annualized return on average assets of 1.34% and return on average equity of 14.23%.
Achieved strong third quarter results, driven by robust growth in the Mortgage Purchase Program (MPP) and All-in-One (AIO) loan portfolios, with increased mortgage lock and application activity.
Interest-bearing demand deposits increased by over $300 million from the prior quarter, primarily from new custodial deposit relationships.
Tangible book value per share increased by $0.56 over the prior quarter, or 15.8% annualized when including dividends, reaching $15.23.
Book value per share grew to $18.14.
Financial highlights
Net interest income before provision was $40.3 million, up $3.8 million from Q2 2025, with net interest margin at 2.47%.
Non-interest income was $24.0 million, with net gain on sale of loans at $20.9 million.
Non-interest expense rose to $34.4 million, mainly due to higher salaries, benefits, and FDIC insurance premiums.
Total assets reached $6.84 billion, with total deposits at $4.8 billion.
Efficiency ratio improved to 53.38%.
Outlook and guidance
Net interest margin expected to remain in the 2.45–2.55% range for 2025 (lower end) and 2026 (higher end), assuming four 25bp Fed rate cuts in 2026.
MPP balances forecasted to end 2025 at $3.41–$3.46B, rising to $4.1–$4.3B by end of 2026, with $300–$500M participated out.
AIO loan balances expected to reach $740–$760M by end of 2025 and $900M–$1B by end of 2026.
Saleable mortgage originations projected at $2.1–$2.3B for 2025 and $2.2–$2.4B for 2026, with margins of 2.75–3.25%.
Management highlighted scalable business models and technology investments supporting continued growth in MPP and digital deposit banking.
Nature of two large mortgage charge-offs?
Strategy behind new custodial deposit growth?
Explain legacy stock appreciation rights plan.
Preferred stock call impact on capital stack?
MPP participation strategy expansion plans?
NIM drivers with expected Fed rate cuts?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Northpointe Bancshares earnings date
Q4 20254 Feb, 2026
Next Northpointe Bancshares earnings date
Q4 20254 Feb, 2026
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Northpointe Bancshares Inc is a U.S.-based bank holding company that provides a range of personal and commercial banking services through its subsidiary, Northpointe Bank. The company offers deposit accounts, residential and commercial mortgage lending, personal and business loans, and treasury management services. It also provides online and mobile banking solutions to support customer convenience and accessibility. The company is headquartered in Grand Rapids, Michigan, and its shares are listed on the OTC markets.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage