Northpointe Bancshares Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Cash & Equivalents	419.16	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	5,967	4,428	3,781	3,030
Allowance for Loan Losses	-12.25	-11.19	-12.3	-6.37
Net Loans	5,955	4,417	3,769	3,024
Property, Plant & Equipment	28.76	28.79	31.9	29.57
Other Intangible Assets	1.66	2.1	4.54	5.7
Loans Held for Sale	259.84	217.07	352.44	790.96
Accrued Interest Receivable	25.6	20.8	20.9	-
Other Current Assets	0.04	-	1.3	1.1
Other Real Estate Owned & Foreclosed	1.3	3	0.02	0.55
Other Long-Term Assets	62.04	79.93	143.05	184.73
Total Assets	6,840	5,224	4,758	4,400
Accrued Expenses	0.34	0.39	0.53	0.9
Interest Bearing Deposits	4,464	3,072	2,599	2,491
Institutional Deposits	69.48	141.22	72.97	87.25
Non-Interest Bearing Deposits	235.73	208.94	253.14	342.59
Total Deposits	4,770	3,423	2,926	2,921
Current Portion of Long-Term Debt	185	158.75	-	-
Current Portion of Leases	0.22	0.93	-	-
Other Current Liabilities	2.4	2.64	27.5	2.8
Long-Term Debt	145.74	23.93	34.37	51.26
Federal Home Loan Bank Debt, Long-Term	1,063	1,115	1,275	925
Long-Term Leases	0.86	0.58	2.5	-
Trust Preferred Securities	5	5	5	5
Long-Term Deferred Tax Liabilities	2.65	3.48	24.13	28.42
Other Long-Term Liabilities	41.72	28.27	33.27	48.37
Total Liabilities	6,216	4,762	4,328	3,983
Additional Paid-In Capital	276.89	166.85	180.05	180.66
Retained Earnings	346.83	295.97	251.38	237.33
Comprehensive Income & Other	-0.19	-0.32	-0.8	-0.69
Shareholders' Equity	623.53	462.49	430.62	417.31
Total Liabilities & Equity	6,840	5,224	4,758	4,400
Total Debt	1,399	1,304	1,317	981.26
Net Cash (Debt)	-980.15	-927.9	-964.98	-707.02
Net Cash Per Share	-30.86	-35.93	-37.41	-27.27
Filing Date Shares Outstanding	34.36	34.3	25.69	25.84
Total Common Shares Outstanding	34.36	25.68	25.69	25.84
Book Value Per Share	18.14	18.01	16.76	16.15
Tangible Book Value	621.87	460.39	426.08	411.61
Tangible Book Value Per Share	18.10	17.92	16.59	15.93

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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