Northpointe Bancshares Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Interest Income on Loans	397.98	351.24	285.49	237.4	156.7
Interest Income on Investments	27.45	28.97	32.04	29.99	9.42
Total Interest Income	425.43	380.2	317.53	267.38	166.12
Interest Paid on Deposits	191.26	176.74	151.13	123.91	40.06
Interest Paid on Borrowings	63.32	52.73	52.19	42.26	26.63
Total Interest Expense	254.58	229.47	203.32	166.16	66.69
Net Interest Income	170.85	150.74	114.22	101.22	99.44
Net Interest Income Growth	24.47%	31.98%	12.84%	1.79%	-
Mortgage Banking Activities	8.54	6.02	5.42	3.58	3.66
Gain (Loss) on Sale of Assets	-	-	-	-	-5.57
Gain (Loss) on Sale of Investments	-	-	-	-	-0.17
Other Non-Interest Income	12.1	4.82	7.26	10.84	86.52
Total Non-Interest Income	75.89	88.93	71.18	95.07	158.12
Non-Interest Income Growth	-4.18%	24.94%	-25.13%	-39.88%	-
Revenues Before Loan Losses	246.74	239.67	185.4	196.29	257.56
Provision for Loan Losses	0	2.1	-0.33	-1.49	2.22
Revenue	246.74	237.57	185.72	197.77	255.34
Revenue Growth	15.19%	27.92%	-6.09%	-22.55%	-
Salaries and Employee Benefits	89.85	85.57	77.79	104.29	159.88
Occupancy Expenses	1.64	2.05	3.35	6.19	6.64
Selling, General & Administrative	21.43	20.96	14.2	16.72	22.95
Other Non-Interest Expense	26.56	20.65	19.25	25.89	32.18
Total Non-Interest Expense	139.48	129.23	114.59	153.08	221.65
EBT Excluding Unusual Items	107.26	108.35	71.13	44.69	33.69
Other Unusual Items	2.05	2.05	1.74	-	-
Pretax Income	109.31	110.39	72.88	44.69	33.69
Income Tax Expense	27.39	26.98	17.72	10.93	10.46
Net Income	81.92	83.41	55.16	33.76	23.24
Preferred Dividends & Other Adjustments	6.61	11.79	8	9.65	9.66
Net Income to Common	75.31	71.62	47.16	24.11	13.58
Net Income Growth	21.34%	51.85%	95.60%	77.54%	-
Basic Shares Outstanding	35	33	26	26	26
Diluted Shares Outstanding	35	34	26	26	26
Shares Change	10.65%	31.14%	0.10%	-0.51%	-
EPS (Basic)	2.17	2.14	1.83	0.94	0.53
EPS (Diluted)	2.14	2.11	1.83	0.93	0.52
EPS Growth	9.48%	15.30%	96.77%	78.85%	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Dividend Per Share	0.105	0.100	-	0.100	0.300
Dividend Growth	-	-	-	-66.67%	-
Effective Tax Rate	25.05%	24.44%	24.31%	24.45%	31.03%

SEC Filings: 10-K · 10-Q