---
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"
generated_at: "2026-05-16T09:31:30.250308+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001336706-26-000003
- JSON: https://secwatch.observer/filing/0001336706-26-000003.json
- Plain text: https://secwatch.observer/filing/0001336706-26-000003.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.