secwatch.observer — SEC 8-K summary
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Issuer:     NORTHPOINTE BANCSHARES INC (NPB)
CIK:        0001336706
Form:       8-K
Filed at:   2026-01-20T23:59:59+00:00
Accession:  0001336706-26-000003
Event type: earnings
Sentiment:  neutral
Materiality: 0.70
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1336706/000133670626000003/0001336706-26-000003-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1336706/000133670626000003/npb-20260120.htm
  HTML page:      https://secwatch.observer/filing/0001336706-26-000003

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