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Northpointe Bancshares, Inc. 10-Q Filings

NPB NYSE

Every 10-Q that Northpointe Bancshares, Inc. (NPB) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.

A 10-Q covers the quarterly report filed between annual reports, so if you follow NPB and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full NPB filings page.

Rhea-AI Summary

Northpointe Bancshares, Inc. reported growth for the three and six months ended June 30, 2026. Total assets reached $7.53 billion, up from $7.02 billion at December 31, 2025, driven largely by loans held for investment of $6.48 billion.

For the six-month period, net interest income rose to $83.7 million from $66.9 million in 2025, and net income increased to $43.9 million from $37.6 million. Net income available to common stockholders was $43.0 million, with diluted EPS of $1.22 versus $1.01 a year earlier. Second-quarter diluted EPS was $0.60.

Deposits grew to $5.23 billion, while FHLB and other borrowings totaled $1.51 billion. The allowance for credit losses declined to $9.4 million, as provisions were modest and net charge-offs remained relatively low. Nonaccrual and over-90-day accruing loans totaled $70.3 million. Stockholders’ equity increased to $611.6 million, supported by retained earnings growth and modest common share issuance through restricted stock units.

Rhea-AI Summary

Northpointe Bancshares, Inc. reported stronger results for the quarter ended March 31, 2026. Total assets reached $7.40 billion, up from $7.02 billion at year-end, driven largely by growth in loans held for investment to $6.41 billion.

Net income rose to $22.2 million from $17.2 million a year earlier, with net income available to common stockholders of $21.7 million. Basic earnings per common share increased to $0.63, while diluted earnings per share were $0.62. Net interest income improved to $41.3 million, helped by higher loan interest, and the company recorded a small net benefit for credit losses.

Total deposits were $5.00 billion, including significant time deposits, and total borrowings rose to $1.63 billion. Stockholders’ equity increased to $590.0 million, supported by retained earnings and higher mortgage servicing rights, while credit quality metrics, including nonaccrual and past-due balances, remained manageable relative to the growing loan portfolio.

Rhea-AI Summary

Northpointe Bancshares, Inc. (NPB) reported Q3 2025 results with net income of $22,173 thousand and diluted EPS of $0.57. Net interest income rose to $40,331 thousand as higher loan yields offset funding costs, while noninterest income was $24,029 thousand driven by $20,953 thousand of net gains on loan sales.

Balance sheet growth remained strong: total assets reached $6,839,580 thousand and total loans held for investment were $5,967,235 thousand as of September 30, 2025. Deposits were $4,769,637 thousand, supporting expansion alongside borrowings of $1,369,034 thousand. The allowance for credit losses was $12,250 thousand.

Year-to-date momentum: for the nine months, net income was $59,766 thousand. The company completed an initial public offering on February 13, 2025, issuing 8,621,539 shares for net proceeds of $114,150 thousand, contributing to stockholders’ equity of $623,525 thousand. Shares outstanding were 34,364,659 as of November 12, 2025.

Rhea-AI Summary

Northpointe Bancshares (NPB) reported stronger first-half results driven by loan production and loan-sale gains. Net income for the six months was $37.6 million, up from $25.5 million a year earlier, with net interest income of $66.9 million versus $55.8 million. Net gains on sale of loans totaled $37.9 million for the six months, supporting noninterest income.

Total assets grew to $6.43 billion from $5.22 billion, loans increased to approximately $5.50 billion from $4.43 billion, and deposits rose to $4.47 billion from $3.42 billion. Stockholders' equity expanded to $604.3 million following an initial public offering that issued 8,621,539 shares and generated $114.2 million net proceeds.

Credit and funding notes: the allowance for credit losses was $12.4 million with provisions of $1.93 million year-to-date, nonaccrual loans totaled $70.7 million and loans past 90 days totaled $75.0 million. Borrowings and brokered time deposits remain meaningful components of funding.