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Northpointe Bank
Grand Rapids, MI · FDIC Certificate #34953 · Chartered 05/2
Total assets
$7.53B
Total deposits
$5.25B
Total equity
$708.30M
Net loans
$6.78B
Branches (offices)
1
Net income (YTD)
$48.16M
Rank: #209 of 4,213 U.S. banks by assets · #1 of 72 in Michigan. Assets changed 17.1% and deposits 16.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.32% |
| Return on equity | 14.05% |
| Net interest margin (YTD) | 2.48% |
| Equity to assets | 9.41% |
| Tier 1 leverage ratio | 9.54% |
| Uninsured deposits (share of deposits) | 7.1% |
| Noncurrent loans (share of loans) | 1.23% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 129.1% |
| Real estate loans (share of loans) | 41.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.83B | 41.8% | |
| Commercial & industrial | $15.00M | 0.2% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $120.85M | 1.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.98B | $2.42B | $17.09M | $447.13M |
| Jun 2023 | $4.76B | $3.04B | $22.66M | $460.60M |
| Jun 2024 | $5.16B | $3.30B | $26.16M | $462.08M |
| Jun 2025 | $6.43B | $4.50B | $39.24M | $609.45M |
| Jun 2026 | $7.53B | $5.25B | $48.16M | $708.30M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $5.25B | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $5.25B.
Similar-sized banks
Ridgewood Savings Bank ($7.55B) · Central Pacific Bank ($7.50B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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