NORTHPOINTE BANCSHARES INC (NPB) Form 10-Q — Aug 13, 2026

$NPBForm 10-QFiled Aug 13, 2026, 4:02 PM ET0001336706-26-000064Original filing

Northpointe Bancshares reported Q2 2026 net income available to common stockholders of $21.3 million, up 18.0% from $18.0 million a year earlier, with diluted EPS of $0.60 versus $0.51. Net interest income rose 16.2% year over year to $42.4 million on strong growth in MPP and AIO loans. The balance sheet expanded to $7.53 billion in total assets from $7.02 billion at year-end 2025, driven by Mortgage Purchase Program balances that grew $513.0 million and All-in-One loan growth of $64.6 million. Total deposits rose $363.6 million to $5.23 billion, and cash stood at $538.4 million.

Key figures

Eps: 0.6
Revenue: Q2 2026 net interest income of $42.4M plus noninterest income of $21.9M (total revenue ~$64.3M)
Net Income: $21.7M for Q2 2026; $21.3M available to common stockholders; $43.9M for the six months ended June 30, 2026
Total Debt: Borrowings of $1.5125B plus subordinated debentures of ~$117.0M (including $5.0M trust preferred), ~$1.63B total
Revenue Yoy: Net interest income +16.2% YoY for Q2 2026; noninterest income down $544K YoY
Total Assets: 7529951000
Cash Position: 538359000
Shares Outstanding: 34581842
Aio loans: $797.2M at June 30, 2026 (+$64.6M from December 31, 2025)
Loans hfi: $6.48B at June 30, 2026
Brokered cds: $2.74B of $3.14B total time deposits
Mpp balances: $3.94B at June 30, 2026 (+$513.0M from December 31, 2025); 57.98% of gross loans
Total deposits: $5.23B at June 30, 2026 (+$363.6M from December 31, 2025)
Uninsured deposits: $374.3M at June 30, 2026
Nonperforming assets: $86.7M at June 30, 2026 (1.15% of total assets) vs $92.7M (1.32%) at December 31, 2025
Cet1 ratio holding co: 9.19% at June 30, 2026
Diluted eps six months: 1.22
Allowance for credit losses: $9.4M, 0.15% of loans HFI
Net charge off rate q2 2026: 0.03% annualized
Net interest margin q2 2026: 2.33% (vs 2.44% Q2 2025, -11 bps)
Total capital ratio holding co: 11.62% at June 30, 2026

Price after filing

1 day: +0.4%7 days: -0.6%30 days: -1.2%

Close on the filing date to close N calendar days later (from $17.43). Historical, not a forecast.

AI analysis

Red flags6 · Pro

The rest of the AI analysis, red flags and sentiment are part of Signal8 Pro.

Upgrade to Pro · $49/mo billed annually

AI-generated analysis of a public disclosure. Not investment advice; verify against the original document.