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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Michigan, the state note

Northpointe Bank

Grand Rapids, Michigan · $7.53B in assets · beside the 6 other Michigan banks between $3B and $10B

The filing

1.8%
CRE / loans
1st of 7
0.1x
Coverage of noncurrent
7th of 7
16.9%
CRE / capital
1st of 7

Northpointe Bank is the largest of the 7 Michigan banks between $3B and $10B, with $7.53B in assets at 30 June 2026. Loans are 129.3% of deposits, 6th of 7 against a median of 93.8%, and equity is 9.4% of assets, 5th of 7. Loans grew +16.5% in the year, 2nd of 7, and deposits grew 16.8%; the cohort's median loan growth is +5.2%.

Noncurrent loans are 1.23% of the book, 6th of 7 against a median of 0.99%; 0.59% is 30 to 89 days past due, and the allowance covers them 0.1 times. Commercial real estate is 1.8% of loans, the lowest in the cohort against a median of 23.5%, and 17% of capital, below the 300% screen, with construction at 17% against the 100% screen.

Return on assets is 1.30%, 6th of 7 against a median of 1.60%, on an efficiency ratio of 51.9%, 4th of 7. Five years ago it was 3.11%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Commercial real estate, share of loansMI banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 23.5% NB Northpointe Bank 1.8% FN First National Bank of America 5.9% MB Macatawa Bank National Association 16.7% IB Independent Bank 23.5% CB Choiceone Bank 36.1% MB Mercantile Bank 36.7% Bo Bank of Ann Arbor 37.4%
Loans, year over yearMI banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +5.2% MB Macatawa Bank National Association +54.3% NB Northpointe Bank +16.5% IB Independent Bank +6.1% FN First National Bank of America +5.2% CB Choiceone Bank +5.1% MB Mercantile Bank +0.6% Bo Bank of Ann Arbor -1.2%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Northpointe BankRankCohort median
Total CRE against capital, the 300% screen17%1st of 7174%
Construction against capital, the 100% screen17%1st of 725%
Construction and land development, share of loans1.8%1st of 73.9%
Non-owner-occupied nonfarm nonresidential, share of loans0.0%1st of 715.1%
Total CRE, the guidance definition, share of loans1.8%1st of 723.5%
CRE growth over 36 months, the third prong-71.5%1st of 7+33.8%
Commercial real estate against capital, the 300% screenMI banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 174% NB Northpointe Bank 17% FN First National Bank of America 62% MB Macatawa Bank National Association 123% IB Independent Bank 174% Bo Bank of Ann Arbor 212% MB Mercantile Bank 222% CB Choiceone Bank 257%
CRE growth over 36 months, the guidance's third prongMI banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median +33.8% NB Northpointe Bank -71.5% Bo Bank of Ann Arbor +10.6% MB Mercantile Bank +24.3% IB Independent Bank +33.8% MB Macatawa Bank National Association +36.8% FN First National Bank of America +159.0% CB Choiceone Bank +187.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Northpointe Bank$7.53B1.3%51.9%1.23%0.02%0.1%129.3%9.4%
First National Bank of America$6.82B2.8%26.6%1.90%0.01%1.1%161.8%8.1%
Mercantile Bank$6.24B1.6%54.9%0.10%-0.03%1.1%96.4%11.7%
Independent Bank$5.66B1.3%61.7%0.99%0.03%1.5%89.9%9.1%
Choiceone Bank$4.45B1.2%58.9%1.00%0.02%1.2%85.3%11.7%
Macatawa Bank National Association$3.69B1.8%44.0%0.08%0.04%0.7%91.8%15.1%
Bank of Ann Arbor$3.50B2.0%44.7%0.27%0.08%1.2%93.8%14.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Northpointe BankCohort median
20212026Change20212026Change
Loans$3.23B$6.79B+110%$2.84B$4.43B+56%
Deposits$2.11B$5.25B+149%$2.18B$3.88B+78%
NPA / loans0.60%1.23%+0.63 pts0.19%0.99%+0.79 pts
Efficiency69.3%51.9%-17.4 pts54.6%51.9%-2.7 pts
ROA3.11%1.30%-1.81 pts1.55%1.60%+0.05 pts

This read was prepared for Northpointe Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Northpointe Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MI banks $3B to $10B
Institution www.northpointe.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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