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Investor Relations14 Oct 2025
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Northpointe Bancshares (NPB) investor relations material
Northpointe Bancshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary23 Jul, 2025
Executive summary
Net income to common stockholders reached $18.0M ($0.51 per diluted share) in Q2 2025, up 20% from Q1 and 58% from Q2 2024, reflecting strong loan and deposit growth.
MPP and AIO loan products drove portfolio expansion, with MPP balances up $423M (69% annualized) and AIO loans up $19.6M annualized.
Total assets increased to $6.43B at June 30, 2025, up $1.21B from year-end, driven by higher net loans and cash.
Book value per share rose to $17.58, with tangible book value per share at $14.67, both showing double-digit annualized growth.
Retail lending originated $665M in residential mortgages, with $250M in new custodial deposits expected in Q3 2025.
Financial highlights
Net interest income was $36.5M in Q2 2025, up $6.1M from Q1 and $7.9M from Q2 2024, with net interest margin at 2.44%.
Non-interest income reached $22.4M, up $5.5M year-over-year, mainly from higher gains on loan sales.
Non-interest expense was $31.7M, up $2.4M sequentially and $3.9M year-over-year, mainly from higher salaries and variable compensation.
Efficiency ratio improved to 53.8% for Q2 2025.
Return on average assets was 1.34%; return on average tangible common equity was 14.49%.
Outlook and guidance
MPP loan balances expected to reach $3.1B–$3.3B in Q3 and $3.3B–$3.5B in Q4 2025.
Net interest margin guidance for 2025 is 2.45%–2.55%, likely at the lower end.
Saleable mortgage originations forecasted at $2.1B–$2.3B for 2025, with gain on sale margin expected at the upper end of 2.75%–3.25%.
Non-interest expense projected at $128M–$132M for 2025, reflecting higher variable compensation and public company costs.
Management emphasizes scalable, technology-driven lending and deposit platforms and maintaining strong capital and liquidity.
Explain the initiative for custodial deposits.
What drove the increase in wholesale funding?
Detail private label mortgage sub-servicing impact.
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Next Northpointe Bancshares earnings date
Q3 202522 Oct, 2025
Next Northpointe Bancshares earnings date
Q3 202522 Oct, 2025
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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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