← Back to Institutions
Northpointe Bank
Grand Rapids, MI·FDIC Cert #34953·Charter: STATE·Est. 19990521.0·HC: NORTHPOINTE BANCSHARES INC
Total Assets
$7.0B
Q4 2025
Return on Assets
1.39%
+0.02%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
51.85%
Peer avg: 57.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.39%+0.02
ROE
14.59%+0.26
Efficiency
51.85%-0.57
Equity/Assets
0.00%+0.00
NPL Ratio
1.44%+0.09
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
129.29%-0.79
Charge-offs
0.05%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.1 | 1.2 | 1.1 | 1.3 | 1.3 | 1.4 | 1.4 |
| ROE | 11.1 | 11.5 | 13.2 | 12.3 | 13.3 | 14.0 | 14.3 | 14.6 |
| Efficiency | 62.6 | 61.2 | 58.1 | 59.1 | 53.9 | 52.9 | 52.4 | 51.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.6 | 1.7 | 1.7 | 1.7 | 1.6 | 1.5 | 1.4 | 1.4 |
| Charge-offs | -0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 |
| Loan/Deposit | 148.7 | 139.4 | 134.2 | 135.1 | 138.8 | 129.3 | 130.1 | 129.3 |
Balance Sheet
Total Assets$7.0B
Total Deposits$4.9B
Total Loans$6.3B
Total Equity$662.3M
Profitability
ROA1.39%
ROE14.59%
Efficiency Ratio51.85%
Net Income$87.2M
Risk & Asset Quality
NPL Ratio1.44%
Charge-off Rate0.05%
Loan/Deposit129.29%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans