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	Jun '26 Jun 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	387.95	351.24	285.49	237.4	156.7
Interest Income on Investments	28.56	28.97	32.04	29.99	9.42
Total Interest Income	416.5	380.2	317.53	267.38	166.12
Interest Paid on Deposits	189.02	176.74	151.13	123.91	40.06
Interest Paid on Borrowings	59.96	52.73	52.19	42.26	26.63
Total Interest Expense	248.98	229.47	203.32	166.16	66.69
Net Interest Income	167.53	150.74	114.22	101.22	99.44
Net Interest Income Growth	33.66%	31.98%	12.84%	1.79%	-
Mortgage Banking Activities	7.8	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	8	4.82	7.26	10.84	86.52
Total Non-Interest Income	89.71	88.93	71.18	95.07	158.12
Non-Interest Income Growth	10.90%	24.94%	-25.13%	-39.88%	-
Revenues Before Loan Losses	257.23	239.67	185.4	196.29	257.56
Provision for Loan Losses	-0.01	2.1	-0.33	-1.49	2.22
Revenue	257.25	237.57	185.72	197.77	255.34
Revenue Growth	25.72%	27.92%	-6.09%	-22.55%	-
Salaries and Employee Benefits	91.97	85.57	77.79	104.29	159.88
Occupancy Expenses	1.75	2.05	3.35	6.19	6.64
Selling, General & Administrative	21.5	20.96	14.2	16.72	22.95
Other Non-Interest Expense	22.56	20.65	19.25	25.89	32.18
Total Non-Interest Expense	137.79	129.23	114.59	153.08	221.65
EBT Excluding Unusual Items	119.46	108.35	71.13	44.69	33.69
Other Unusual Items	-	2.05	1.74	-	-
Pretax Income	119.46	110.39	72.88	44.69	33.69
Income Tax Expense	29.74	26.98	17.72	10.93	10.46
Net Income	89.72	83.41	55.16	33.76	23.24
Preferred Dividends & Other Adjustments	8.19	11.79	8	9.65	9.66
Net Income to Common	81.52	71.62	47.16	24.11	13.58
Net Income Growth	38.09%	51.85%	95.60%	77.54%	-
Basic Shares Outstanding	35	33	26	26	26
Diluted Shares Outstanding	35	34	26	26	26
Shares Change	19.60%	31.14%	0.10%	-0.51%	-
EPS (Basic)	2.35	2.14	1.83	0.94	0.53
EPS (Diluted)	2.32	2.11	1.83	0.93	0.52
EPS Growth	14.78%	15.30%	96.77%	78.85%	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 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	0.100	0.100	-	0.100	0.300
Dividend Growth	100.00%	-	-	-66.67%	-
Effective Tax Rate	24.90%	24.44%	24.31%	24.45%	31.03%

SEC Filings: 10-K · 10-Q