{"schema_version":"secwatch.filing_event.v1","accession":"0001336706-26-000003","form_type":"8-K","ticker":"NPB","cik":"0001336706","company_name":"NORTHPOINTE BANCSHARES INC","filed_at":"2026-01-20T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.875167+00:00","generated_at":"2026-05-16T09:31:30.250308+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Northpointe Bancshares reports Q4 net income $18.4M, down 8% QoQ; full year 2025 net income up 52%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001336706-26-000003","json":"https://secwatch.observer/filing/0001336706-26-000003.json","markdown":"https://secwatch.observer/filing/0001336706-26-000003.md","text":"https://secwatch.observer/filing/0001336706-26-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1336706/000133670626000003/0001336706-26-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1336706/000133670626000003/npb-20260120.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:31:30.250308+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}