Northpointe Bancshares, Inc. · NYSE:NPB
Northpointe Bancshares — Q2 2026 Earnings Presentation
15 slides from Northpointe Bancshares's earnings presentation, Jul 22, 2026
Slide 1: Second Quarter 2026 Earnings Call Presentation
Second Quarter 2026 Earnings Call Presentation July 22, 2026
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 Chuck A. Williams Kevin J. Comps Bradley T. Howes Chairman & CEO President Executive Vice President and CFO 3
Slide 4: Delivering Strong Performance Despite Economic Volatility
Delivering Strong Performance Despite Economic Volatility Net Income available to common stockholders $25 $21.7 $21.3 Millions $20.1 $20 $18.0 $18.4 $15 $10 $5 $0 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Tangible book value per share (1) $17.50 $16.94 $17.00 $16.35 $16.50 $16.00 $15.74 $15.50 $15.23
Slide 5: Second Quarter 2026 Highlights (compared to prior quarter)
Second Quarter 2026 Highlights (compared to prior quarter) • Net income to common stockholders of $21.3 million Earnings • $0.60 per diluted share • Return on average assets (annualized) of 1.18% • Return on average equity (annualized) of 14.36% Performance Ratios • Return on average tangible common
Slide 6: Mortgage Purchase Program (MPP)
Mortgage Purchase Program (MPP) Program Overview Second Quarter 2026 Highlights Total loans funded (purchased) $12.8 billion § National mortgage purchase program (warehouse lending) § Purchase program available to Mortgage Bankers nationwide Total loans sold $12.6 billion § Aggregated purchased loan
Slide 7: Retail Banking
Retail Banking 1 2 3 Residential Lending Digital Deposit Banking Specialized Mortgage Servicing § National distributed retail mortgage franchise § Direct to customer deposit platform and § Focus on servicing first-lien home equity product suite lines tied seamlessly to demand deposit § Consumer dire
Slide 8: Asset Quality
Asset Quality Overview Second Quarter 2026 Metrics § Strong underwriting and diligent risk controls with low history of losses ACL to loans held for investment 0.15% § High-quality, seasoned residential mortgage loan portfolio ACL to non-accrual loans 11.80% § Average LTV (with insurance) of 71%, FI
Slide 9: Summary Income Statement
Summary Income Statement For the Quarter Ended ($ in 000s, except per share data) Q2 2026 Q1 2026 Q2 2025 Interest income $ 107,038 $ 101,503 $ 93,093 Interest expense 64,616 60,230 56,573 Net interest income before provision 42,422 41,273 36,520 Provision (benefit) for credit losses and unfunded com
Slide 10: Summary Balance Sheet
Summary Balance Sheet For the Quarter Ended ($ in 000s, except per share data) Q2 2026 Q1 2026 Q2 2025 ASSETS: Total Assets $ 7,529,951 $ 7,395,877 $ 6,430,894 Cash and cash equivalents 538,359 487,617 415,659 SecuriLes 82,312 86,332 79,688 Loans held for sale, at fair value 311,991 297,243 331,199
Slide 11: Estimated Regulatory Capital Ratios
Estimated Regulatory Capital Ratios Northpointe Bank Regulatory Capital Ratios – At June 30, 2026 (1) 14.00% 12.00% 11.26% 11.10% 11.10% 10.00% 9.54% 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 Average A
Slide 12: Appendix
APPENDIX
Slide 13: Loan and Deposit Details
Loan and Deposit Details Loan Portfolio Composition Deposit Composition $6.8 billion at June 30, 2026 $5.2 billion at June 30, 2026 Noninterest- Total Loans Held Construction, bearing for Sale (HFS), 0.12% demand, 4.59% Other Other time 5.00% Consumer/Home Equity, 0.71% deposits, All-in-One (AIO), 7
Slide 14: 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 Q2 2026 Q1 2026 Q2 2025 Mortgage servicing rights (MSR) Loan servicing fees $ (120) $ 1,322 $ (302) Lender risk a
Slide 15: Non-GAAP Reconciliation
-GAAP Reconciliation Non-GAAP Measures Reconciliation As of or for the Six As of or for the Three Months Ended Months Ended June 30, Mar 31, June 30, June 30, June 30, (Dollars in thousands) 2026 2026 2025 2026 2025 Stockholders’ equity (GAAP) S$ 611,648 $ 589,993 S$ 604,277 S$ 611,648 $ 604,277 Les
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