Side-by-side · Q2 2026 data
Independent Bank vs Northpointe Bank
Metric by metric
| Measure | Independent Bank | Northpointe Bank |
|---|---|---|
| TellerScore | 63 (stronger) | 58 |
| Capital cushion | 47 (stronger) | 45 |
| Loan quality | 67 (stronger) | 59 |
| Earnings | 74 (stronger) | 73 |
| Funding & liquidity | 61 (stronger) | 50 |
| Problem-loan coverage | 85 (stronger) | 76 |
| Peer percentile | 30th | 17th |
| Total assets | $5.7B | $7.5B |
| Deposits / shares | $4.9B | $5.3B |
| Capital ratio | 9.67% (stronger) | 9.54% |
| Problem loans | 0.99% (stronger) | 1.23% |
| Net charge-offs | 0.03% | 0.02% (stronger) |
| Return on assets | 1.34% (stronger) | 1.32% |
| Loans ÷ deposits | 88.6% (stronger) | 129.1% |
| Uninsured deposits | 24.4% | 7.1% (stronger) |
| Offices | 57 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | 10.4% |
Independent Bank has the higher TellerScore (63 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Independent Bank leads on 5 and Northpointe Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.