TellerScore

Northpointe Bank (FDIC certificate #34953) is based in Grand Rapids, Michigan. Its Q2 2026 call report shows $7.5B in total assets and $5.3B in deposits and 1 office.

Based on its Q2 2026 filing, Northpointe Bank scores 58/100, which we describe as moderate. That is higher than only 17% of 897 banks with $1 billion – $10 billion. Among 72 banks headquartered in Michigan, it ranks 58th. Its strongest component is problem-loan coverage (76/100; 12.1%), and its lowest is capital cushion (45/100; 9.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.54%
Loan quality59/100
Noncurrent loans ÷ total loans: 1.23%
Earnings73/100
Return on assets (annualized): 1.32%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 129.1% · 7.1% uninsured
Problem-loan coverage76/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.08%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (57 → 58).

TellerScore
505559Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202450
Q3 202451
Q4 202450
Q1 202559
Q2 202557
Q3 202558
Q4 202556
Q1 202658
Q2 202658
Tier 1 leverage ratio
5.00%8.00%11.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.12%
Q3 20249.11%
Q4 20249.09%
Q1 202511.01%
Q2 20259.98%
Q3 20259.79%
Q4 20259.50%
Q1 20269.75%
Q2 20269.54%
Noncurrent loans
1.23%1.47%1.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.69%
Q3 20241.68%
Q4 20241.70%
Q1 20251.62%
Q2 20251.49%
Q3 20251.35%
Q4 20251.44%
Q1 20261.30%
Q2 20261.23%
Return on assets
1.06%1.23%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.06%
Q3 20241.20%
Q4 20241.12%
Q1 20251.29%
Q2 20251.34%
Q3 20251.37%
Q4 20251.39%
Q1 20261.34%
Q2 20261.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$7.5B9.54%1.23%1.32%129.1%
Q1 202658$7.4B9.75%1.30%1.34%133.3%
Q4 202556$7.0B9.50%1.44%1.39%129.3%
Q3 202558$6.8B9.79%1.35%1.37%130.1%
Q2 202557$6.4B9.98%1.49%1.34%129.3%
Q1 202559$5.9B11.01%1.62%1.29%138.8%
Q4 202450$5.2B9.09%1.70%1.12%135.1%
Q3 202451$5.4B9.11%1.68%1.20%134.2%
Q2 202450$5.2B9.12%1.69%1.06%139.4%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.54%
24th
Total risk-based capital11.26%
27th
Problem loans1.23%
22nd
Net charge-offs0.02%
56th
Return on assets1.32%
56th
Net interest margin2.48%
5th
Efficiency ratio51.7%
73rd
Loans to deposits129.1%
1st
Uninsured deposits7.1%
97th
Loan-loss reserves0.14%
2nd
Texas ratio12.1%
12th

Similar-size banks in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of AmericaBank East Lansing, MI51 out of 100, Below average$6.8B8.1%1.90%vs
Mercantile BankBank Grand Rapids, MI73 out of 100, Strong$6.2B11.6%0.10%vs
Independent BankBank Grand Rapids, MI63 out of 100, Moderate$5.7B9.7%0.99%vs
ChoiceOne BankBank Sparta, MI61 out of 100, Moderate$4.5B9.3%1.00%vs
Macatawa Bank, National AssociationBank Holland, MI76 out of 100, Strong$3.7B10.7%0.08%vs
Bank of Ann ArborBank Ann Arbor, MI82 out of 100, Strong$3.5B13.2%0.27%vs

Deposit insurance

Is my money safe at Northpointe Bank?

Yes. Northpointe Bank is an FDIC-insured institution (FDIC certificate #34953). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 7.1% of deposits ($374.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.54%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.26% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Northpointe Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Northpointe Bank reported 9,898 home-loan applications under HMDA (LEI 549300UXY7OP0IC38293): 6,396 originated ($2,556,410,000 total), 748 denied, and 2,698 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Northpointe Bank
Type
State-chartered bank
FDIC certificate #
34953
RSSD ID
2737980
Primary regulator
FDIC
Holding company
Northpointe Bancshares Inc
Established
May 21, 1999
Headquarters
3333 Deposit Dr Ne, Grand Rapids, MI 49546
Employees
495

Quick answers

Northpointe Bank: common questions

Is Northpointe Bank FDIC insured?

Yes. Northpointe Bank is an FDIC-insured institution (FDIC certificate #34953). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Northpointe Bank's TellerScore?

58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Northpointe Bank ever failed?

There is no failure record for FDIC certificate #34953 in the FDIC failed bank list.

How many branches does Northpointe Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Grand Rapids

InstitutionScoreAssetsCapitalProblem loansCompare
Total Community Credit UnionCredit union Taylor, MI97 out of 100, Very strong$111.3M15.3%0.36%vs
Allegheny Central Federal Credit UnionCredit union Dunbar, PA95 out of 100, Very strong$8.2M20.8%0.18%vs
Aac Credit UnionCredit union Grand Rapids, MI90 out of 100, Very strong$212.4M24.2%0.36%vs
Preferred Credit UnionCredit union Grand Rapids, MI87 out of 100, Very strong$318.1M14.3%0.37%vs
Blue Water Federal Credit UnionCredit union Port Huron, MI86 out of 100, Very strong$20.4M14.4%0.23%vs
Tri-Cities Credit UnionCredit union Grand Haven, MI86 out of 100, Very strong$51.3M13.9%0.05%vs