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Balance Sheet
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Income Overview
Net Income
$21,293K
EPS
$0.6
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-09-30
2025-06-30
Funds transfer pricing
-
-
-
0
Loans - including fees
100,126
94,913
94,044
86,261
Investment securities - taxable
61
57
87
157
Fhlb stock - taxable
1,780
1,745
1,605
1,553
Interest bearing deposits
5,071
4,788
6,100
5,122
Total interest income
107,038
101,503
101,836
93,093
Deposits
47,715
44,455
48,169
43,582
Subordinated debentures
2,519
2,102
679
678
Borrowings
14,382
13,673
12,657
12,313
Total interest expense
64,616
60,230
61,505
56,573
Net interest income
42,422
41,273
40,331
36,520
Provision (benefit) for credit losses and unfunded commitments-Financing Receivables Excluding Unfunded Loan Commitments
264
-469
852
548
Provision for credit loss and unfunded commitments
-
-
-
583
Provision (benefit) for credit losses and unfunded commitments-Unfunded Loan Commitment
-54
24
-24
35
Net interest income after provision (benefit) for credit losses and unfunded commitments
42,212
41,718
39,503
35,937
Service charges on deposits and other fees
315
264
217
239
Loan servicing fees
2,268
3,548
1,117
1,525
Mortgage purchase program ('mpp') fees
2,306
1,970
1,457
1,355
Expense allocation
-
-
-
0
Net gain on sale of loans
17,046
16,547
20,953
19,351
Other noninterest income (loss)
-41
-184
285
-32
Total noninterest income
21,894
22,145
24,029
22,438
Salaries and employee benefits
25,026
24,353
24,336
22,234
Occupancy and equipment
744
820
811
918
Data processing expense
2,521
2,349
2,190
2,155
Professional fees
1,362
1,318
1,701
1,793
Other taxes and insurance
1,987
2,237
1,998
1,190
Other noninterest expense
3,579
3,358
3,322
3,432
Total noninterest expense
35,219
34,435
34,358
31,722
Income - before income taxes
28,887
29,428
29,174
26,653
Income tax expense
7,141
7,274
7,001
6,309
Net income
21,746
22,154
22,173
20,344
Preferred stock dividends
453
453
2,041
2,296
Net income available to common stockholders
21,293
21,701
20,132
18,048
Basic EPS
0.61
0.63
0.58
0.52
Diluted EPS
0.6
0.62
0.57
0.51
Basic Average Shares
34,740,412
34,702,246
34,602,289
34,574,086
Diluted Average Shares
35,416,828
35,260,806
35,337,136
35,218,962
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans - including fees
$100,126K
(16.07%↑ Y/Y)
Interest bearing
deposits
$5,071K
(-1.00%↓ Y/Y)
Fhlb stock - taxable
$1,780K
(14.62%↑ Y/Y)
Investment securities -
taxable
$61K
(-61.15%↓ Y/Y)
Total interest income
$107,038K
(14.98%↑ Y/Y)
Net interest income
$42,422K
(16.16%↑ Y/Y)
Net gain on sale of
loans
$17,046K
(-11.91%↓ Y/Y)
Mortgage purchase
program ('mpp') fees
$2,306K
(70.18%↑ Y/Y)
Loan servicing fees
$2,268K
(48.72%↑ Y/Y)
Service charges on
deposits and other fees
$315K
(31.80%↑ Y/Y)
Provision (benefit) for
credit losses and...
-$54K
(-254.29%↓ Y/Y)
Total interest
expense
$64,616K
(14.22%↑ Y/Y)
Net interest income
after provision...
$42,212K
(17.46%↑ Y/Y)
Total noninterest
income
$21,894K
(-2.42%↓ Y/Y)
Provision (benefit) for
credit losses and...
$264K
(-51.82%↓ Y/Y)
Other noninterest
income (loss)
-$41K
(-28.13%↓ Y/Y)
Deposits
$47,715K
(9.48%↑ Y/Y)
Borrowings
$14,382K
(16.80%↑ Y/Y)
Subordinated debentures
$2,519K
(271.53%↑ Y/Y)
Income - before income
taxes
$28,887K
(8.38%↑ Y/Y)
Total noninterest
expense
$35,219K
(11.02%↑ Y/Y)
Net income
$21,746K
(6.89%↑ Y/Y)
Income tax expense
$7,141K
(13.19%↑ Y/Y)
Salaries and employee
benefits
$25,026K
(12.56%↑ Y/Y)
Other noninterest
expense
$3,579K
(4.28%↑ Y/Y)
Data processing
expense
$2,521K
(16.98%↑ Y/Y)
Other taxes and
insurance
$1,987K
(66.97%↑ Y/Y)
Professional fees
$1,362K
(-24.04%↓ Y/Y)
Occupancy and equipment
$744K
(-18.95%↓ Y/Y)
Net income
available to common...
$21,293K
(17.98%↑ Y/Y)
Preferred stock dividends
$453K
(-80.27%↓ Y/Y)
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NORTHPOINTE BANCSHARES INC (NPB)
NORTHPOINTE BANCSHARES INC (NPB)