BlastPoint's Banking Scorecard

Northpointe Bank

$1B-$10B Specialty: Other MI FDIC cert 34953

Grand Rapids, MI

884 banks in the $1B-$10B peer group nationally 18 in MI

Northpointe Bank has 1 strength but faces 4 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 9.55% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.34% below tier average
- Loan-to-Deposit Ratio 49.14% above tier average
- Non-Interest-Bearing Deposit Share 15.33% below tier average
- Delinquency Rate 0.42% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$7.4B +26.2% YoY +5.3% QoQ	+$4.6B	$2.8B -0.1% YoY	$993.6M +8.4% YoY	$6.2B +9.1% YoY	Top 6.4% in tier
Total Loans ?	$6.7B +25.4% YoY +6.0% QoQ	+$4.7B	$2.0B +0.6% YoY	$752.3M +12.4% YoY	$3.2B +10.8% YoY	Top 1.9% in tier
Total Deposits ?	$5.0B +30.5% YoY +2.8% QoQ	+$2.7B	$2.3B -0.3% YoY	$797.0M +7.4% YoY	$4.8B +8.2% YoY	Top 10.7% in tier
Return on Assets ?	1.34% +3.8% YoY -3.4% QoQ	-0.02%	1.37% +19.6% YoY	1.15% +25.2% YoY	1.23% +13.4% YoY	61%
Net Interest Margin ?	2.48% +6.5% YoY -2.1% QoQ	-1.34%	3.82% +6.9% YoY	3.99% +5.8% YoY	3.89% +5.7% YoY	Bottom 5.4% in tier
Efficiency Ratio ?	51.51% -4.5% YoY -0.6% QoQ	-9.55%	61.06% -4.6% YoY	66.95% -6.2% YoY	66.95% -4.1% YoY	74%
Delinquency Rate ?	1.30% -19.9% YoY -9.4% QoQ	+0.42%	0.89% +14.1% YoY	0.77% +21.7% YoY	0.95% +18.8% YoY	19%
Loan-to-Deposit Ratio ?	133.34% -3.9% YoY +3.1% QoQ	+49.14%	84.20% +0.3% YoY	78.66% +4.9% YoY	76.70% +0.9% YoY	Bottom 1.0% in tier
Non-Interest-Bearing Deposit Share ?	5.96% -11.6% YoY -1.1% QoQ	-15.33%	21.29% -2.5% YoY	24.69% -2.1% YoY	22.01% -1.2% YoY	Bottom 5.2% in tier
Nonperforming Asset Ratio ?	1.23% -18.2% YoY -7.1% QoQ	+0.55%	0.67% +15.6% YoY	0.58% +27.6% YoY	0.67% +19.3% YoY	15%
Tier 1 Capital Ratio ?	10.89% -8.9% YoY -2.9% QoQ	-4.27%	15.16% +2.0% YoY	20.91% +0.5% YoY	17.06% +0.8% YoY	15%
Non-Interest Income / Assets ?	0.30% -23.2% YoY -76.9% QoQ	+0.04%	0.26% +1.6% YoY	0.19% +5.8% YoY	0.32% +4.1% YoY	Top 13.2% in tier

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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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (4 metrics)

Total Loans

size

Value: $6.70B

Peer Median: $1.96B

#18 of 884 Top 1.9% in $1B-$10B

Total Assets

size

Value: $7.40B

Peer Median: $2.82B

#58 of 884 Top 6.4% in $1B-$10B

Total Deposits

size

Value: $5.02B

Peer Median: $2.34B

#96 of 884 Top 10.7% in $1B-$10B

118

Non-Interest Income / Assets

revenue_mix

Value: 0.30%

Peer Median: 0.26%

#118 of 884 Top 13.2% in $1B-$10B

Top Weaknesses (6 metrics)

876

Loan-to-Deposit Ratio

liquidity

Value: 133.34%

Peer Median: 84.20%

#876 of 884 Bottom 1.0% in $1B-$10B

839

Non-Interest-Bearing Deposit Share

funding

Value: 5.96%

Peer Median: 21.29%

#839 of 884 Bottom 5.2% in $1B-$10B

837

Net Interest Margin

profitability

Value: 2.48%

Peer Median: 3.82%

#837 of 884 Bottom 5.4% in $1B-$10B

752

Nonperforming Asset Ratio

credit_quality

Value: 1.23%

Peer Median: 0.67%

#752 of 884 Bottom 15.0% in $1B-$10B

748

Tier 1 Capital Ratio

capital

Value: 10.89%

Peer Median: 15.16%

#748 of 884 Bottom 15.5% in $1B-$10B

710

Delinquency Rate

credit_quality

Value: 1.30%

Peer Median: 0.89%

#710 of 880 Bottom 19.4% in $1B-$10B