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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.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 financial performance in Q3 2025, driven by robust growth in the Mortgage Purchase Program (MPP), All-in-One (AIO) loans, and solid residential lending activity.
Interest-bearing demand deposits increased by over $300 million due to new core custodial deposit relationships.
Tangible book value per share rose by $0.56 over the prior quarter, reaching $15.23.
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 totaled $24.0 million, mainly from higher gain-on-sale loans.
Total assets reached $6.84 billion at quarter end, with total deposits at $4.8 billion.
Book value per share grew to $18.14.
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).
MPP loan balances forecasted to reach $4.1-$4.3 billion by end of 2026, with $300-$500 million participated out.
Saleable mortgage originations projected at $2.1-$2.3 billion for 2025 and $2.2-$2.4 billion for 2026.
Non-interest expense guidance for 2026 is $140-$144 million.
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.
Sub debt replacement: expected EPS accretion?
MPP participations: how will they optimize revenue?
Detail 2026 NIM drivers given Fed rate cuts.
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Next Northpointe Bancshares earnings date
Q4 20254 Feb, 2026
Next Northpointe Bancshares earnings date
Q4 20254 Feb, 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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