---
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"
generated_at: "2026-05-18T04:12:09.369827+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-035578
- JSON: https://secwatch.observer/filing/0001628280-25-035578.json
- Plain text: https://secwatch.observer/filing/0001628280-25-035578.txt

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