For the quarter ending 2025-09-30, NPB made $221,704K in revenue. $20,132K in net income. Net profit margin of 9.08%.
| Income Statement | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Funds transfer pricing | - | 0 | ||
| Loans - including fees | 94,044 | 86,261 | ||
| Investment securities - taxable | 87 | 157 | ||
| Fhlb stock - taxable | 1,605 | 1,553 | ||
| Interest bearing deposits | 6,100 | 5,122 | ||
| Total interest income | 101,836 | 93,093 | ||
| Deposits | 48,169 | 43,582 | ||
| Subordinated debentures | 679 | 678 | ||
| Borrowings | 12,657 | 12,313 | ||
| Total interest expense | 61,505 | 56,573 | ||
| Net interest income | 40,331 | 36,520 | ||
| Provision (benefit) for credit loss and unfunded commitments-Financing Receivables Excluding Unfunded Loan Commitments | 852 | 548 | ||
| Provision for credit loss and unfunded commitments | - | 583 | ||
| Provision (benefit) for credit loss and unfunded commitments-Unfunded Loan Commitment | -24 | 35 | ||
| Net interest income after provision (benefit) for credit losses and unfunded commitments | 39,503 | 35,937 | ||
| Service charges on deposits and other fees | 217 | 239 | ||
| Loan servicing fees | 1,117 | 1,525 | ||
| Mortgage purchase program ('mpp') fees | 1,457 | 1,355 | ||
| Expense allocation | - | 0 | ||
| Net gain on sale of loans | 20,953 | 19,351 | ||
| Other noninterest income | 285 | -32 | ||
| Total noninterest income | 24,029 | 22,438 | ||
| Salaries and employee benefits | 24,336 | 22,234 | ||
| Occupancy and equipment | 811 | 918 | ||
| Data processing expense | 2,190 | 2,155 | ||
| Professional fees | 1,701 | 1,793 | ||
| Other taxes and insurance | 1,998 | 1,190 | ||
| Other noninterest expense | 3,322 | 3,432 | ||
| Total noninterest expense | 34,358 | 31,722 | ||
| Income - before income taxes | 29,174 | 26,653 | ||
| Income tax expense | 7,001 | 6,309 | ||
| Net income | 22,173 | 20,344 | ||
| Preferred stock dividends | 2,041 | 2,296 | ||
| Net income available to common stockholders | 20,132 | 18,048 | ||
| Basic earnings per common share (in usd per share) | 0.58 | 0.52 | ||
| Diluted earnings per share (in usd per share) | 0.57 | 0.51 | ||
| Weighted average common shares (in shares) | 34,602,289 | 34,574,086 | ||
| Weighted average dilutive common shares (in shares) | 35,337,136 | 35,218,962 | ||
NORTHPOINTE BANCSHARES INC (NPB)
NORTHPOINTE BANCSHARES INC (NPB)