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Northpointe Bancshares
Northpointe Bancshares (NPB) investor relations material
Northpointe Bancshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary21 Jan, 2026
Executive summary
Total assets grew from $5.2 billion at 2024 year-end to $7.02 billion at the end of 2025, driven by robust growth in the Mortgage Purchase Program (MPP) and residential lending channels.
Net income to common stockholders was $18.4 million ($0.52 per diluted share) for Q4 2025, with FY 2025 net income of $71.6 million ($2.11 per diluted share), up from $47.2 million in FY 2024.
Tangible book value per share rose 13.9% annually to $15.74, including dividends paid.
MPP and AIO loan portfolios grew by $60.1 million and $31.0 million, respectively, on an annualized basis, with MPP balances up $1.7 billion year-over-year.
Balance sheet and earnings growth were supported by technology investments, leadership, and digital deposit initiatives.
Financial highlights
Net interest income before provision was $43.5 million for Q4 2025, up $3.2 million from Q3 2025; FY 2025 net interest income was $150.7 million, up $36.5 million year-over-year.
Non-interest income for Q4 2025 was $21.6 million, with FY 2025 non-interest income at $91.0 million, up $18.1 million year-over-year.
Non-interest expense for 2025 was $129.2 million; 2026 guidance is $138–$142 million.
Net income available to common stockholders was $18.4 million for Q4 2025, down from $20.1 million in Q3 2025 but up from $8.8 million in Q4 2024.
Return on average equity for Q4 2025 was 14.82%; return on average assets was 1.34%.
Outlook and guidance
2026 net interest margin expected in the 2.45%–2.55% range, assuming two 25-basis-point Fed rate cuts.
MPP loan balances projected to reach $4.1–$4.3 billion by year-end 2026, with $300–$500 million participated out on average.
Saleable mortgage originations forecasted at $2.2–$2.4 billion for 2026, with all-in margins of 2.75%–3.25%.
Provision expense for 2026 expected at $3–$4 million, reflecting replenishment of net charge-offs and loan growth.
Management will focus on digital deposit growth, scalable lending platforms, and maintaining strong capital and liquidity positions.
What is the long-term strategy for loan portfolio mix?
How will NIM trends evolve with fed funds rate?
Elaborate on digital deposit platform strategy
MPP participation strategy and NIM drivers
Digital deposit growth and wholesale funding ratio
Reserve level comfort given asset quality trends?
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Next Northpointe Bancshares earnings date
Q1 202622 Apr, 2026
Northpointe Bancshares
Next Northpointe Bancshares earnings date
Q1 202622 Apr, 2026
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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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