# NORTHPOINTE BANK
GRAND RAPIDS, MI · FDIC certificate 34953 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 7 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $7.53B | |
| Deposits | $5.25B | |
| Loans and leases | $6.79B | |
| Total equity | $708.3M | |
| Loans / deposits | 129.10% (p99 of band) | 87.10% |
| Liquid assets / assets | 7.23% (p2 of band) | |
| Uninsured deposits / deposits | 7.12% (p3 of band) | 30.76% |
| Brokered deposits | 42.43% | |
| Wholesale funding | 62.53% (p99 of band) | |
| FHLB advances / assets | 18.96% | |
| Tier 1 leverage | 9.54% (p24 of band) | 10.50% |
| Unrealized securities loss / equity | -0.21% (p95 of band) | -7.75% |
| AOCI / equity | 0.02% (p79 of band) | |
| ROA (annualized) | 1.32% (p56 of band) | 1.26% |
| Net interest margin | 2.48% (p5 of band) | 3.70% |
| Efficiency ratio | 51.68% (p28 of band) | |
| Noncurrent loans | 1.23% (p78 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p49 of band) | |
| Reserve coverage of noncurrent | 11.27% | |
| Real estate % of loans | 42% | |
| Construction % of loans | 17.06% (p15 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $3.94B (557% of equity) (p100 of band) | |
| Deposits YoY | 16.8% | |
| Employees | 495 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, leverage <5%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 | liquid assets <10%, charge-offs p90 | leverage <5% |
| 2011-09 | 6 | loans exceed deposits |  |
| 2011-12 | 6 |  |  |
| 2012-03 | 5 |  | loans exceed deposits |
| 2012-06 | 5 | loans exceed deposits | charge-offs p90 |
| 2012-09 | 4 |  | loans exceed deposits |
| 2012-12 | 5 | loans exceed deposits, charge-offs p90 | leverage <7% |
| 2013-03 | 4 | loans-to-lenders >50% equity | loans exceed deposits, charge-offs p90 |
| 2013-06 | 6 | losing money, charge-offs p90 |  |
| 2013-09 | 4 |  | losing money, charge-offs p90 |
| 2013-12 | 5 | assets shrinking |  |
| 2014-03 | 5 | loans exceed deposits | assets shrinking |
| 2014-06 | 5 |  |  |
| 2014-09 | 4 |  | reserve under noncurrent |
| 2014-12 | 5 | wholesale funding >15% |  |
| 2015-03 | 6 | charge-offs p90 |  |
| 2015-06 | 4 |  | loans exceed deposits, wholesale funding >15% |
| 2015-09 | 7 | loans exceed deposits, brokered >10%, wholesale funding >15%, reserve under noncurrent | charge-offs p90 |
| 2015-12 | 6 |  | reserve under noncurrent |
| 2016-03 | 4 |  | loans exceed deposits, wholesale funding >15% |
| 2016-06 | 6 | loans exceed deposits, wholesale funding >15% |  |
| 2016-09 | 6 |  |  |
| 2016-12 | 6 | capital falling | loans exceed deposits |
| 2017-03 | 5 |  | capital falling |
| 2017-06 | 5 | loans exceed deposits | brokered >10% |
| 2017-09 | 5 |  |  |
| 2017-12 | 6 | capital falling |  |
| 2018-03 | 7 | expense ratio p90, reserve under noncurrent | capital falling |
| 2018-06 | 8 | brokered >10% |  |
| 2018-09 | 6 |  | expense ratio p90, brokered >10% |
| 2018-12 | 8 | capital falling, expense ratio p90 |  |
| 2019-03 | 6 |  | reserve under noncurrent, expense ratio p90 |
| 2019-06 | 6 | expense ratio p90 | capital falling |
| 2019-09 | 6 | reserve under noncurrent | construction >100% equity |
| 2019-12 | 5 |  | liquid assets <10% |
| 2020-03 | 6 | liquid assets <10%, NIM <2.5% | expense ratio p90 |
| 2020-06 | 5 |  | liquid assets <10% |
| 2020-09 | 6 | noncurrent p90 |  |
| 2020-12 | 5 |  | noncurrent p90 |
| 2021-03 | 8 | brokered >10%, liquid assets <10%, noncurrent p90 |  |
| 2021-06 | 7 |  | noncurrent p90 |
| 2021-09 | 6 |  | NIM <2.5% |
| 2021-12 | 8 | capital falling, uninsured deposits leaving |  |
| 2022-03 | 8 | expense ratio p90, NIM <2.5% | liquid assets <10%, uninsured deposits leaving |
| 2022-06 | 7 | liquid assets <10% | capital falling, NIM <2.5% |
| 2022-09 | 7 |  |  |
| 2022-12 | 8 | assets shrinking |  |
| 2023-03 | 8 | NIM <2.5% | assets shrinking |
| 2023-06 | 8 | capital falling | expense ratio p90 |
| 2023-09 | 8 |  |  |
| 2023-12 | 8 | noncurrent p90 | capital falling |
| 2024-03 | 8 |  |  |
| 2024-06 | 8 |  |  |
| 2024-09 | 9 | capital falling |  |
| 2024-12 | 9 |  |  |
| 2025-03 | 7 |  | noncurrent p90, capital falling |
| 2025-06 | 7 |  |  |
| 2025-09 | 8 | capital falling |  |
| 2025-12 | 7 |  | NIM <2.5% |
| 2026-03 | 7 | NIM <2.5% | capital falling |
| 2026-06 | 7 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-09 [Sponsored: Northpointe Bank celebrates America 250, honors people who impact the community - WZZM13.com](https://news.google.com/rss/articles/CBMiwAJBVV95cUxNRXBKWXdHRWJHbGUzNzVZYUhMVUk4Ym9EeFF5dkpkRTdEYjJpV1VNZ3VOc2ZkMVZGQmcyWWJMUEZwSGJmRnIyR19YUUpSLWdObFZHNUFRamtBeTNLdjNncnFDRVlPMkhUaWV6X2QyNzVUNVNBMDdTeHp1b0lxNVdmSjNWR3NQaUhOdkpXSXpuRjJ5VExhZDZ1R0oxT2h5RmZEMHVPT1NQYnJwYWFSVm4tV3RfeG8xT1RPV25iR29DM0JienJZWGVhY0dvcE5RWXBoc2Ita092Q1A5T3ZLSzUweUQyV3p2T0hfWGNNYUNZUVZLellyOXlJRFFsVTdfdWZqaVJOVXNJbFNvNnNjakwycmxuNUowYlp6dmNZT2RVSUdnS0ZmamY4a21xZ2JTVmpna1hhRHNmWExfWnViUnNfaQ?oc=5) · WZZM13.com
- 2026-05-30 [Northpointe Bank Reviews and Ratings - INQUIRER.net USA](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9MN2VSaG5wV1J5QnhnZDRqT19Hc1FNLU9sOGdQbmhJRVRBMHdacEtHUld1LWp1UG5KbDE3dXJFcXdueGsySVFiNzMtV1VNcGEweWdrallkcFFPdlNPYjd5NkFjb3B5ZGs?oc=5) · INQUIRER.net USA
- 2025-12-01 [Community banks gain ground in West Michigan as deposits surge past $38B - Crain's Grand Rapids](https://news.google.com/rss/articles/CBMixgFBVV95cUxOUjRBV1ZrSU82czJsSnlvc01MYkZKaW82cXkxSkp5WkdnVGlkS285NFlEWG54VDB5XzNLVFlLMWNUY3ZlRlVJdDVnSllHOU1QS3k2MTRRRHZ0dFY2OVRPWXBVZlZiREdhVlF1TG9Ed2x1VEM2eUNidmJOLXN4UllMUEZWVzlYUGlKdEJUakpMLURxVTlMRDhCT3N6U3V0eW4yMEp3TFdVd1owVmktSnJxX1F3ejJPQVdua0lza2luaFZ4OUlPNVE?oc=5) · Crain's Grand Rapids
- 2025-02-07 [Northpointe Bancshares, Inc. Announced Today the Launch of its Initial Public Offering. - PR Newswire](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOZzg2b1NRbUxYQ3ZueHdad2t1alVFYVZPZXBWMTIxV3huLWkyNEUzTmYzdVZTNVQwXzB3WHB5ZzdRS0RlNTV3UGFtdUdWN0lBeHFGMlN1SlhCR1dpZlpZa3A3OW9zTTNhN1JzQnZHMXRySmdTMVJETFVBdEl0YXJPcUVDbHBkQkNqbDIwa1JaeXE0Yld1VmsxY0xpOFlHdUZ3QUVCMU9iQnhUckNPRWVEWUdQdnpCWlVldGlXNlIwSlpfeHpVNEpmUnJiWUp4SVRwTVNuaE5NSQ?oc=5) · PR Newswire
- 2025-02-07 [NPB IPO News - Michigan-based bank Northpointe Bancshares sets terms for $150 million IPO - renaissancecapital.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxOWlVTd01DM2ZsOXBKS0ZaRGdQU1pXbHJUMnpyTlNHZlFrVGJrcy1WOVFtMkNfLXhuRDRaWkdTU014aWJlY0xfYzBMRGtzVHBodklnYzNtYW1qYXlXbDg2amw1QlI5YnVuTVJhOUU4UUxaMkROWmpRa2wtYnZUa2NESmZwR2ZxcjZhOWR5dnNQWDBsaU00WHhOTmg5WFRvY0hNMThhSmhGYXM0UC14c2xwY3d1cEp1d19JcjBCbURGeERDMHVOVk5sNjBma3U?oc=5) · renaissancecapital.com
- 2023-02-09 [Northpointe Bank to shutter its correspondent lending business - HousingWire](https://news.google.com/rss/articles/CBMiogFBVV95cUxQNW1xQWdia09KbHN0RmJIUkFCdHdkYnNUSl9uaDQ4Q0JkV241SEd4V3NlWDA2T3RDTVhERlBkMTdFanB3U2FnQkNwbEpEeE96SGJ5TDFTNmFfdm5mVk5YeWhpdDROSkphcXNfWjR2Vkx6ekZrcTBQVVoyYUNyNXhVZGxvZkVrejA0VVczR3Mxb2JVbkkzV2RNWTNZYUpnTzBweVE?oc=5) · HousingWire
- 2026-07-28 [Northpointe Bank Mortgage Loans 2026 Review - U.S. News - Money](https://news.google.com/rss/articles/CBMif0FVX3lxTE1hVExFeUQ3X2doTzVWUmR0TndhbUNNaDQxUHlPUGhFc3QwQVgyNWdkWHhUbm1kZ3AwYWtoZDZpVlQzdGNJTVVkUU1jNlAxX3BUQ0N0aUxDcXYxOGNRRU1Gd0RTcERlYllleEZ4bWpqMnFraVplSFVfV3dsc2F2VEU?oc=5) · U.S. News - Money
- 2025-01-16 [Northpointe Bank Mortgage Review 2025: Huge Range of Loan Options - businessinsider.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNU19GZmtEWGZQYnlkdjR2V2F5T3pmRS1hUTc4d3NlaTlVXy1UZ0FwaWF3SjdySHU1Nm1QZWdZaFNrWnFfRWQ2ZHFpZjl6cy1Ea185X2F2OWp4dmRwc1kyRk5FS1VBVmIxTnB1ZUd1M3VqdFBmdzZfRk1GZ0NxaEtVenQwZnBrUnhtMG1LMzQ0VXNxUzFyMlE?oc=5) · businessinsider.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34953 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/9.json (key "34953", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide