{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-035578","form_type":"8-K","ticker":"NPB","cik":"0001336706","company_name":"NORTHPOINTE BANCSHARES INC","filed_at":"2025-07-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.768540+00:00","generated_at":"2026-05-18T04:12:09.369827+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Northpointe Bancshares Q2 2025 net income $18.0M ($0.51 EPS), up 20% QoQ","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-035578","json":"https://secwatch.observer/filing/0001628280-25-035578.json","markdown":"https://secwatch.observer/filing/0001628280-25-035578.md","text":"https://secwatch.observer/filing/0001628280-25-035578.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1336706/000162828025035578/0001628280-25-035578-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1336706/000162828025035578/npb-20250722.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T04:12:09.369827+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"}