Northpointe Bancshares, Inc. · NYSE:NPB

Northpointe Bancshares — Q3 2026 Earnings Presentation

16 slides from Northpointe Bancshares's earnings presentation, Oct 21, 2026

  1. Slide 1: Third Quarter 2026 Earnings Call Presentation

    Third Quarter 2026 Earnings Call Presentation October 21, 2026

  2. Slide 2: Disclaimer

    Disclaimer Forward-Looking Statements Statements in this presentation regarding future events and our expectations and beliefs about our future financial performance and financial condition, as well as trends in our business and markets, constitute “forward-looking statements” within the meaning of,

  3. Slide 3: Agenda

    Agenda • Formal Remarks • Chuck Williams, Chairman & CEO • Kevin Comps, President • Bradley Howes, CFO • Question and Answer Session Chuck A. Williams Kevin J. Comps Bradley T. Howes Chairman & CEO President Executive Vice President and CFO 3

  4. Slide 4: Financial Performance and Growth in Tangible Book Value Per Share

    Financial Performance and Growth in Tangible Book Value Per Share Net Income available to common stockholders $25 $21.7 Millions $21.3 $20.1 $20 $18.4 $15 $13.9 $10 $5 $0 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Tangible book value per share (1) $17.50 $17.32 $16.94 $17.00 $16.35 $16.50 $16.00 $15.74

  5. Slide 5: Third Quarter 2026 Highlights (compared to prior quarter)

    Third Quarter 2026 Highlights (compared to prior quarter) • Net income to common stockholders of $13.9 million, or $0.39 per diluted share • $9.3 million combined decrease in fair value of loans held for investment and lender risk account, partially offset by $5.0 million increase in fair value of m

  6. Slide 6: Sale of Distributed Retail and Consumer Direct Mortgage Origination Channels

    Sale of Distributed Retail and Consumer Direct Mortgage Origination Channels CEO Commentary The Company also announced today it plans to sell the distributed retail and consumer direct mortgage origination channels to CMG Financial and its affiliates (“CMG”). The Company and CMG have entered into a

  7. Slide 7: Mortgage Purchase Program (MPP)

    Mortgage Purchase Program (MPP) Program Overview Third Quarter 2026 Highlights Total loans funded (purchased) $12.4 billion  National mortgage purchase program (warehouse lending)  Purchase program available to Mortgage Bankers nationwide Total loans sold $12.2 billion  Aggregated purchased loans

  8. Slide 8: Retail Banking

    Retail Banking 1 2 3 Residential Lending Digital Deposit Banking Specialized Mortgage Servicing  National distributed retail mortgage franchise  Direct to customer deposit platform and  Focus on servicing first-lien home equity product suite lines tied seamlessly to demand deposit  Consumer dire

  9. Slide 9: Asset Quality

    Asset Quality Overview Third Quarter 2026 Metrics  Strong underwriting and diligent risk controls with low history of losses ACL to loans held for investment 0.15%  High-quality, seasoned residential mortgage loan portfolio ACL to non-accrual loans 12.01%  Average LTV (with insurance) of 71%, FIC

  10. Slide 10: Summary Income Statement

    Summary Income Statement For the Quarter Ended ($ in 000s, except per share data) Q3 2026 Q2 2026 Q3 2025 Interest income $ 110,765 $ 107,038 $ 101,836 Interest expense 67,110 64,616 61,505 Net interest income before provision 43,655 42,422 40,331 Provision (benefit) for credit losses and unfunded c

  11. Slide 11: Summary Balance Sheet

    Summary Balance Sheet For the Quarter Ended ($ in 000s, except per share data) Q3 2026 Q2 2026 Q3 2025 ASSETS: Total Assets $ 7,666,612 $ 7,529,951 $ 6,839,580 Cash and cash equivalents 489,901 538,359 419,162 Securities 83,348 82,312 86,203 Loans held for sale, at fair value 173,047 311,991 259,835

  12. Slide 12: Estimated Regulatory Capital Ratios

    Estimated Regulatory Capital Ratios Northpointe Bank Regulatory Capital Ratios – At September 30, 2026 (1) 14.00% 12.00% 11.11% 10.96% 10.96% 10.00% 9.53% 8.00% 6.00% 4.00% 2.00% 0.00% Total Capital (to Risk Weighted Tier 1 (Core) Capital (to Risk CET 1 Capital Ratio (to Risk Tier 1 Capital (to Aver

  13. Slide 13: Appendix

    APPENDIX

  14. Slide 14: Loan and Deposit Details

    Loan and Deposit Details Loan Portfolio Composition Deposit Composition $7.0 billion at September 30, 2026 $5.4 billion at September 30, 2026 Other time Noninterest- Total Loans Held Construction, deposits, bearing for Sale (HFS), 0.09% 5.37% demand, 2.48% Other 5.41% Consumer/Home All-in-One (AIO),

  15. Slide 15: Fair Value Trends and Net Gain on Sale of Loans Reconciliation

    Fair Value Trends and Net Gain on Sale of Loans Reconciliation (Dollars in thousands) Increase (Decrease) in Fair Value Recorded During Quarter Fair Value Asset Income Statement Category Q3 2026 Q2 2026 Q3 2025 Mortgage servicing rights (MSR) Loan servicing fees $ 5,012 $ (120) $ (910) Lender risk a

  16. Slide 16: Non-GAAP Reconciliation

    Non-GAAP Reconciliation Non-GAAP Measures Reconciliation As of or for the Nine As of or for the Three Months Ended Months Ended Sept 30, June 30, Sept 30, ‘Sept 30, Sept 30, (Dollars in thousands) 2026 2026 2025 2026 2025 ‘Stockholders’ equity (GAAP) $ 624,689 § 611,648 $623,525 $ 624,689 $623,525 L

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