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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.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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