Northpointe Bancshares reports Q4 net income $18.4M, down 8% QoQ; full year 2025 net income up 52%

NORTHPOINTE BANCSHARES INC

2025-FY EPS reported $2.11 vs consensus $0.62 ▲ beat (+242.8%)

Q4 2025 net income $18.4M ($0.52 diluted EPS), down from $20.1M ($0.57) Q3, up from $8.8M ($0.34) Q4 2024.
Full year 2025 net income $71.6M ($2.11 diluted EPS), up 52% from $47.2M ($1.83) in 2024.
Net interest margin 2.51% (Q4) vs 2.47% Q3 and 2.27% Q4 2024; efficiency ratio improved to 51.86%.
MPP balances grew $60.1M QoQ; AIO loans grew $31.0M; total assets $7.02B, loans $6.02B, deposits $4.87B.
Issued $70M subordinated notes (7.50% fixed-to-floating, due 2035) and redeemed all Series A preferred stock.

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