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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.
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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.

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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.

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