Northpointe Bancshares, Inc. · NYSE:NPB
Northpointe Bancshares — Q3 2025 Earnings Presentation
14 slides from Northpointe Bancshares's earnings presentation, Oct 22, 2025
Slide 1: Third Quarter 2025 Earnings Call Presentation
Third Quarter 2025 Earnings Call Presentation October 22, 2025
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,
Slide 3: Agenda
Agenda • Formal Remarks • Chuck Williams, Chairman & CEO • Kevin Comps, President • Bradley Howes, CFO • Question and Answer Session • Closing Remarks Chuck A. Williams Kevin J. Comps Bradley T. Howes Chairman & CEO President Executive Vice President and CFO 3
Slide 4: Third Quarter 2025 Highlights
Third Quarter 2025 Highlights (compared to prior quarter) • Net income to common stockholders of $20.1 million Earnings • $0.57 per diluted share • Return on average assets (annualized) of 1.34% • Return on average equity (annualized) of 14.23% Performance Ratios • Return on average tangible common
Slide 5: Mortgage Purchase Program (MPP)
Mortgage Purchase Program (MPP) Program Overview Third Quarter 2025 Highlights Total loans funded (purchased) $9.8 billion ▪ National mortgage purchase program (warehouse lending) ▪ Purchase program available to Mortgage Bankers nationwide Total loans sold $9.3 billion ▪ Aggregated purchased loans a
Slide 6: Retail Banking
Retail Banking 1 2 3 Residential Lending Digital Deposit Banking Specialized Mortgage Servicing ▪ National distributed retail mortgage franchise ▪ Direct to customer deposit platform and ▪ Focus on servicing first-lien home equity product suite lines tied seamlessly to demand deposit ▪ Consumer dire
Slide 7: Asset Quality
Asset Quality Overview Third Quarter 2025 Metrics ▪ Strong underwriting and diligent risk controls with low history of losses ACL to loans held for investment 0.21% ▪ High-quality, seasoned residential mortgage loan portfolio ACL to non-accrual loans 15.82% ▪ Average LTV (with insurance) of 72% and
Slide 8: Summary Income Statement
Summary Income Statement For the Quarter Ended ($ in 000s, except per share data) Q3 2025 Q2 2025 Q3 2024 Interest income $ 101,836 $ 93,093 $ 83,351 Interest expense 61,505 56,573 54,948 Net interest income before provision 40,331 36,520 28,403 Provision for credit losses and unfunded commitments 8
Slide 9: Summary Balance Sheet
Summary Balance Sheet For the Quarter Ended ($ in 000s, except per share data) Q3 2025 Q2 2025 Q3 2024 ASSETS: Total Assets $ 6,839,580 $ 6,430,894 $ 5,385,999 Cash and cash equivalents 419,162 415,659 440,751 Securities 86,203 79,688 79,331 Loans held for sale, at fair value 259,835 331,199 345,024
Slide 10: Estimated Regulatory Capital Ratios
Estimated Regulatory Capital Ratios Northpointe Bank Regulatory Capital Ratios – At September 30, 2025 (1) 14.00% 12.00% 11.14% 10.96% 10.96% 9.79% 10.00% 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
Slide 11: Appendix
APPENDIX
Slide 12: Loan and Deposit Details
Loan and Deposit Details Loan Portfolio Composition Deposit Composition $6.2 billion at September 30, 2025 $4.8 billion at September 30, 2025 Noninterest- Total Loans Held Construction, bearing for Sale (HFS), 0.30% Other demand, 4.17% 4.94% Consumer/Home Other time All-in-One Equity, 0.91% deposits
Slide 13: Fair Value Trends and Net Gain on Sale of Loans Reconciliation
Fair Value Trends and Net Gain on Sale of Loans Reconciliation (in 000s) Increase (Decrease) in Fair Value Recorded During Quarter Fair Value Asset Income Statement Category Q3 2025 Q2 2025 Q3 2024 Mortgage servicing rights (MSR) Loan servicing fees $ (910) $ (302) $ (1,873) Lender risk account (LRA
Slide 14: Non-GAAP Reconciliation
Non-GAAP Reconciliation Non-GAAP Measures Reconciliation As of or for the Three Months Ended Months Ended 30, June 30, 30, 30, 30, at at SS Sal (Dollars in thousands) Stockholders’ equity (GAAP) $ 623,525 $ 604,277 S$ 454,782 $ 623,525 S$ 454,782 Less: Preferred stock 98,734 98,734 103,573 98,734 10
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