Northpointe Bancshares, Inc. · NYSE:NPB
Northpointe Bancshares — Q4 2025 Earnings Presentation
14 slides from Northpointe Bancshares's earnings presentation, Jan 21, 2026
Slide 1: Fourth Quarter 2025 Earnings Call Presentation
Fourth Quarter 2025 Earnings Call Presentation January 21, 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 • Closing Remarks Chuck A. Williams Kevin J. Comps Bradley T. Howes Chairman & CEO President Executive Vice President and CFO 3
Slide 4: Fourth Quarter 2025 Highlights
Fourth Quarter 2025 Highlights (compared to prior quarter) • Net income to common stockholders of $18.4 million Earnings • $0.52 per diluted share • Return on average assets (annualized) of 1.34% • Return on average equity (annualized) of 14.82% Performance Ratios • Return on average tangible common
Slide 5: Mortgage Purchase Program (MPP)
Mortgage Purchase Program (MPP) Program Overview Fourth Quarter 2025 Highlights Total loans funded (purchased) $11.4 billion ▪ National mortgage purchase program (warehouse lending) ▪ Purchase program available to Mortgage Bankers nationwide Total loans sold $10.9 billion ▪ Aggregated purchased loan
Slide 6: Retail Banking
Retail Banking 1 2 3 Residential Lending Digital Deposit Banking Specialized Mortgage Servicing ▪ National distributed retail mortgage franchise ▪ Direct to customer deposit platform and ▪ Focus on servicing first-lien home equity product suite lines tied seamlessly to demand deposit ▪ Consumer dire
Slide 7: Asset Quality
Asset Quality Overview Fourth Quarter 2025 Metrics ▪ Strong underwriting and diligent risk controls with low history of losses ACL to loans held for investment 0.17% ▪ High-quality, seasoned residential mortgage loan portfolio ACL to non-accrual loans 12.72% ▪ Average LTV (with insurance) of 71%, FI
Slide 8: Summary Income Statement
Summary Income Statement For the Quarter Ended ($ in 000s, except per share data) Q4 2025 Q3 2025 Q4 2024 Interest income $ 106,123 $ 101,836 $ 82,701 Interest expense 62,626 61,505 52,679 Net interest income before provision 43,497 40,331 30,022 Provision (benefit) for credit losses and unfunded co
Slide 9: Summary Balance Sheet
Summary Balance Sheet For the Quarter Ended ($ in 000s, except per share data) Q4 2025 Q3 2025 Q4 2024 ASSETS: Total Assets $ 7,022,825 $ 6,839,580 $ 5,224,011 Cash and cash equivalents 496,459 419,162 376,295 Securities 86,194 86,203 79,455 Loans held for sale, at fair value 309,213 259,835 217,073
Slide 10: Estimated Regulatory Capital Ratios
Estimated Regulatory Capital Ratios Northpointe Bank Regulatory Capital Ratios – At December 31, 2025 (1) 14.00% 12.00% 11.35% 11.21% 11.21% 10.00% 9.50% 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 Avera
Slide 11: Appendix
APPENDIX
Slide 12: Loan and Deposit Details
Loan and Deposit Details Loan Portfolio Composition Deposit Composition $6.3 billion at December 31, 2025 $4.9 billion at December 31, 2025 Noninterest- Total Loans Held Construction, bearing for Sale (HFS), 0.28% demand, 4.88% Other Other time 5.67% Consumer/Home Equity, 0.88% deposits, All-in-One
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 Q4 2025 Q3 2025 Q4 2024 Mortgage servicing rights (MSR) Loan servicing fees $ (1,101) $ (910) $ 1,194 Lender risk account (LRA
Slide 14: Non-GAAP Reconciliation
-GAAP Reconciliation Non-GAAP Measures Reconciliation As of or for the Three Months Ended As of or for the Year Ended Dee 31, Sept 30, Dec 31, Dec 31, Dee 31, (Dollars in thousands) 2025 2025 2024 2025 2024 Stockholders’ equity (GAAP) S$ 569,042 $ 623,525 $ 462,490 $ 569,042 $ 462,490 Less: Preferre
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