Northpointe Bancshares Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Cash & Equivalents	496.46	376.3	351.89	274.23
Investment Securities	6.09	9.88	16.05	16.2
Total Investments	6.09	9.88	16.05	16.2
Gross Loans	6,022	4,428	3,781	3,030
Allowance for Loan Losses	-10.44	-11.19	-12.3	-6.37
Net Loans	6,011	4,417	3,769	3,024
Property, Plant & Equipment	27.57	28.79	31.9	29.57
Other Intangible Assets	1.51	2.1	4.54	5.7
Loans Held for Sale	309.21	217.07	352.44	790.96
Accrued Interest Receivable	-	20.8	20.9	-
Other Current Assets	-	-	1.3	1.1
Other Real Estate Owned & Foreclosed	1.72	3	0.02	0.55
Other Long-Term Assets	89.06	79.93	143.05	184.73
Total Assets	7,023	5,224	4,758	4,400
Accrued Expenses	-	0.39	0.53	0.9
Interest Bearing Deposits	4,594	3,072	2,599	2,491
Institutional Deposits	-	141.22	72.97	87.25
Non-Interest Bearing Deposits	275.97	208.94	253.14	342.59
Total Deposits	4,870	3,423	2,926	2,921
Current Portion of Long-Term Debt	-	158.75	-	-
Current Portion of Leases	-	0.93	-	-
Other Current Liabilities	-	2.64	27.5	2.8
Long-Term Debt	1,531	23.93	34.37	51.26
Federal Home Loan Bank Debt, Long-Term	-	1,115	1,275	925
Long-Term Leases	-	0.58	2.5	-
Trust Preferred Securities	5	5	5	5
Long-Term Deferred Tax Liabilities	3.79	3.48	24.13	28.42
Other Long-Term Liabilities	43.92	28.27	33.27	48.37
Total Liabilities	6,454	4,762	4,328	3,983
Additional Paid-In Capital	204.88	166.85	180.05	180.66
Retained Earnings	364.37	295.97	251.38	237.33
Comprehensive Income & Other	-0.2	-0.32	-0.8	-0.69
Shareholders' Equity	569.04	462.49	430.62	417.31
Total Liabilities & Equity	7,023	5,224	4,758	4,400
Total Debt	1,536	1,304	1,317	981.26
Net Cash (Debt)	-1,040	-927.9	-964.98	-707.02
Net Cash Per Share	-30.71	-35.93	-37.41	-27.27
Filing Date Shares Outstanding	34.49	34.3	25.69	25.84
Total Common Shares Outstanding	34.49	25.68	25.69	25.84
Book Value Per Share	16.50	18.01	16.76	16.15
Tangible Book Value	567.53	460.39	426.08	411.61
Tangible Book Value Per Share	16.45	17.92	16.59	15.93

Source: S&P Global Market Intelligence. Banks template. Financial Sources.