Northpointe Bancshares Q2 2025 net income $18.0M ($0.51 EPS), up 20% QoQ

NORTHPOINTE BANCSHARES INC

2025-Q2 EPS reported $1.01 vs consensus $0.53 ▲ beat (+92.3%)

Net income to common stockholders $18.0M, or $0.51 diluted EPS, vs $0.49 in Q1 and $0.44 in Q2 2024.
Net interest margin expanded 9 bps QoQ to 2.44%; net interest income rose $6.1M to $36.5M.
Loans held for investment grew $349.6M (27% annualized); MPP average balances up 42% QoQ.
Deposits increased $651.4M to $4.47B; wholesale funding ratio rose to 70.71%.
Efficiency ratio improved to 53.80% from 55.15%; ROAA 1.34%, ROAE 13.60%, ROTCE 14.49%.

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