Northpointe Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Interest Income on Loans	374.08	351.24	285.49	237.4	156.7
Interest Income on Investments	28.48	28.97	32.04	29.99	9.42
Total Interest Income	402.56	380.2	317.53	267.38	166.12
Interest Paid on Deposits	184.88	176.74	151.13	123.91	40.06
Interest Paid on Borrowings	56.05	52.73	52.19	42.26	26.63
Total Interest Expense	240.93	229.47	203.32	166.16	66.69
Net Interest Income	161.62	150.74	114.22	101.22	99.44
Net Interest Income Growth (YoY)	37.66%	31.98%	12.84%	1.79%	-
Mortgage Banking Activities	6.85	6.02	5.42	3.58	3.66
Gain (Loss) on Sale of Assets	-	-	-	-	-5.57
Gain (Loss) on Sale of Investments	-	-	-	-	-0.17
Other Non-Interest Income	7.22	4.82	7.26	10.84	86.52
Total Non-Interest Income	90.2	88.93	71.18	95.07	158.12
Non-Interest Income Growth (YoY)	19.63%	24.94%	-25.13%	-39.88%	-
Revenues Before Loan Losses	251.83	239.67	185.4	196.29	257.56
Provision for Loan Losses	0.36	2.1	-0.33	-1.49	2.22
Revenue	251.47	237.57	185.72	197.77	255.34
Revenue Growth (YoY)	31.32%	27.92%	-6.09%	-22.55%	-
Salaries and Employee Benefits	89.48	85.57	77.79	104.29	159.88
Occupancy Expenses	1.9	2.05	3.35	6.19	6.64
Selling, General & Administrative	21.29	20.96	14.2	16.72	22.95
Other Non-Interest Expense	21.62	20.65	19.25	25.89	32.18
Total Non-Interest Expense	134.29	129.23	114.59	153.08	221.65
EBT Excluding Unusual Items	117.18	108.35	71.13	44.69	33.69
Other Unusual Items	0.05	2.05	1.74	-	-
Pretax Income	117.23	110.39	72.88	44.69	33.69
Income Tax Expense	28.91	26.98	17.72	10.93	10.46
Net Income	88.32	83.41	55.16	33.76	23.24
Preferred Dividends & Other Adjustments	10.04	11.79	8	9.65	9.66
Net Income to Common	78.28	71.62	47.16	24.11	13.58
Net Income Growth	46.81%	51.22%	63.38%	45.28%	-
Basic Shares Outstanding	35	33	26	26	26
Diluted Shares Outstanding	35	34	26	26	26
Shares Change (YoY)	29.90%	31.14%	0.10%	-0.51%	-
EPS (Basic)	2.26	2.14	1.83	0.94	0.53
EPS (Diluted)	2.24	2.11	1.83	0.93	0.52
EPS Growth	14.59%	15.30%	96.77%	78.85%	-
Dividend Per Share	0.100	0.100	-	0.100	0.300
Dividend Growth	300.00%	-	-	-66.67%	-
Effective Tax Rate	24.66%	24.44%	24.31%	24.45%	31.03%

Source: S&P Capital IQ. Banks template. Financial Sources.