BlastPoint's Banking Scorecard
Northpointe Bank
$1B-$10B
Specialty: Other
MI
FDIC cert 34953
Grand Rapids, MI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in MI.
- Deposits +16.8% year over year ($5.3B on the books).
- Delinquency rate 1.23%.
- Return on assets 1.32%.
- Efficiency ratio 51.68% vs a 59.73% peer average.
- Loan-to-deposit ratio 129.10% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
885
banks in the $1B-$10B peer group nationally
18 in MI
View $1B-$10B leaderboard (MI) →
Northpointe Bank has 1 strength but faces 5 concerns
Key Strengths include matched growth signatures,
metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures,
metrics ranked in the bottom 10%, and values meaningfully below the tier average.
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 8.04% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.39% below tier average
- - Loan-to-Deposit Ratio 44.06% above tier average
- - Non-Interest-Bearing Deposit Share 15.90% below tier average
- - ROA 0.07% below tier average
- - Delinquency Rate 0.37% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.5B
+17.1% YoY
+1.8% QoQ
|
+$4.7B |
$2.8B
-0.6% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
Top 5.4% in tier |
| Total Loans ? |
$6.8B
+16.6% YoY
+1.3% QoQ
|
+$4.8B |
$2.0B
-0.3% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
Top 1.6% in tier |
| Total Deposits ? |
$5.3B
+16.8% YoY
+4.6% QoQ
|
+$2.9B |
$2.3B
-0.5% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
Top 9.3% in tier |
| Return on Assets ? |
1.32%
-2.1% YoY
-1.8% QoQ
|
-0.07% |
1.39%
+17.0% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
56% |
| Net Interest Margin ? |
2.48%
+2.6% YoY
+0.3% QoQ
|
-1.39% |
3.87%
+6.2% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 4.5% in tier |
| Efficiency Ratio ? |
51.68%
-2.3% YoY
+0.3% QoQ
|
-8.04% |
59.73%
-12.6% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
73% |
| Delinquency Rate ? |
1.23%
-17.4% YoY
-5.4% QoQ
|
+0.37% |
0.87%
+11.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
129.10%
-0.2% YoY
-3.2% QoQ
|
+44.06% |
85.04%
-0.1% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
Bottom 1.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.37%
+7.6% YoY
-10.0% QoQ
|
-15.90% |
21.27%
-1.5% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 4.5% in tier |
| Nonperforming Asset Ratio ? |
1.15%
-15.0% YoY
-6.2% QoQ
|
+0.48% |
0.67%
+11.7% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
11.10%
-0.5% YoY
+2.0% QoQ
|
-3.74% |
14.84%
-0.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.59%
-16.9% YoY
+95.3% QoQ
|
+0.06% |
0.53%
+2.5% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
Top 14.7% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
5.4%
+0.4pp YoY -0.6pp QoQ |
-16.0pp | 21.4% | 25.9% | 22.2% | 4% |
| Brokered Deposits |
60.8%
-6.8pp YoY +2.2pp QoQ |
+51.3pp | 9.5% | 12.3% | 8.5% | 98% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | 0.2% | -13.8pp | 14.0% | 12.8% | 12.5% | 1% |
| CRE |
1.8%
-1.2pp YoY -0.2pp QoQ |
-48.2pp | 50.0% | 45.9% | 41.4% | 0% |
| 1-4 Family |
40.0%
-7.5pp YoY -0.5pp QoQ |
+13.6pp | 26.4% | 33.6% | 31.3% | 82% |
| Consumer | n/a | n/a | 4.7% | 4.6% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.1%
-0.1pp YoY +0.2pp QoQ |
-4.5pp | 15.6% | 26.9% | 19.7% | 11% |
| Leverage Ratio |
9.5%
-0.4pp YoY -0.2pp QoQ |
-1.8pp | 11.3% | 12.3% | 12.6% | 23% |
| Total Capital Ratio |
11.3%
-0.1pp YoY +0.2pp QoQ |
-5.4pp | 16.7% | 27.9% | 20.8% | 2% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
495
+14 (+2.9%) YoY +7 (+1.4%) QoQ |
+181 | 313 | 134 | 482 | 83% |
| Assets per Employee ($) |
$15.2M
+13.8% YoY +0.4% QoQ |
+$4.7M | $10.5M | $6.8M | $8.8M | 90% |
| Branch Count |
1
0 YoY 0 QoQ |
-19 | 20 | 9 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.2% | 0.4% | 64% |
| Nonaccrual |
1.2%
-0.2pp YoY 0.0pp QoQ |
+0.4pp | 0.8% | 0.8% | 1.0% | 78% |
| Allowance Coverage |
0.11x
-20.8% YoY +1.5% QoQ |
-18.60x | 18.71x | 6.79x | 20.23x | 0% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 41% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.1%
+0.1pp YoY -0.3pp QoQ |
+1.5pp | 12.6% | 11.7% | 11.6% | 66% |
| Cost of Funds (YTD) |
3.4%
-0.3pp YoY +0.1pp QoQ |
+1.5pp | 1.9% | 1.5% | 1.7% | 98% |
| Net Income ($, YTD) |
$48.2M
+22.7% YoY — QoQ |
+$28.9M | $19.2M | $7.3M | $40.4M | 92% |
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$250B+
12 performance metrics with tier, state, and national benchmarks
Signature behaviors (strengths & concerns)
Metric and signature rankings across 4,287 FDIC-insured banks
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths are growth signatures this bank matches
(e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches
(e.g. Margin Compression, Credit Quality Pressure).
Strengths (0)
No matched strength signatures this quarter
Concerns (0)
No matched concern signatures this quarter
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.
Strengths are metrics in the top 25%
(75th percentile or higher).
Concerns are metrics in the bottom 25%
(25th percentile or lower).
Top Strengths (4 metrics)
15
Total Loans
size
Value:
$6.78B
Peer Median: $1.96B
#15 of 885
Top 1.6% in $1B-$10B
49
Total Assets
size
Value:
$7.53B
Peer Median: $2.79B
#49 of 885
Top 5.4% in $1B-$10B
83
Total Deposits
size
Value:
$5.25B
Peer Median: $2.32B
#83 of 885
Top 9.3% in $1B-$10B
131
Non-Interest Income / Assets
revenue_mix
Value:
0.59%
Peer Median: 0.53%
#131 of 885
Top 14.7% in $1B-$10B
Top Weaknesses (6 metrics)
876
Loan-to-Deposit Ratio
liquidity
Value:
129.10%
Peer Median: 85.04%
#876 of 885
Bottom 1.1% in $1B-$10B
846
Non-Interest-Bearing Deposit Share
funding
Value:
5.37%
Peer Median: 21.27%
#846 of 885
Bottom 4.5% in $1B-$10B
846
Net Interest Margin
profitability
Value:
2.48%
Peer Median: 3.87%
#846 of 885
Bottom 4.5% in $1B-$10B
731
Nonperforming Asset Ratio
credit_quality
Value:
1.15%
Peer Median: 0.67%
#731 of 885
Bottom 17.5% in $1B-$10B
710
Tier 1 Capital Ratio
capital
Value:
11.10%
Peer Median: 14.84%
#710 of 885
Bottom 19.9% in $1B-$10B
687
Delinquency Rate
credit_quality
Value:
1.23%
Peer Median: 0.87%
#687 of 882
Bottom 22.2% in $1B-$10B