Form 8-K

8-K — NORTHPOINTE BANCSHARES INC

Accession: 0001336706-26-000059

Filed: 2026-07-21

Period: 2026-07-21

CIK: 0001336706

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Completion of Acquisition or Disposition of Assets

Item: Regulation FD Disclosure

Documents

8-K — npb-20260721.htm (Primary)

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8-K

8-K (Primary)

Filename: npb-20260721.htm · Sequence: 1

npb-20260721

FALSE000133670600013367062026-07-212026-07-210001336706exch:XNAS2026-07-212026-07-21

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 21, 2026

Northpointe Bancshares, Inc.

(Exact name of registrant as specified in its charter)

Michigan

No. 001-42517

38-3413392

(State or other jurisdiction of (Commission File Number) (IRS Employer

incorporation) Identification No.)

3333 Deposit Drive Northeast

Grand Rapids, Michigan

49546

(Address of principal executive offices) (Zip Code)

(616) 940‑9400

(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

Soliciting material pursuant to Rule 14a 12 under the Exchange Act (17 CFR 240.14a 12)

Pre-commencement communications pursuant to Rule 14d 2(b) under the Exchange Act (17 CFR 240.14d 2(b))

Pre-commencement communications pursuant to Rule 13e 4(c) under the Exchange Act (17 CFR 240 13e 4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbol(s) Name of each exchange on which registered

Common Stock, no par value NPB New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 under the Securities Act (17 CFR 230.405) or Rule 12b-2 under the Exchange Act (17 CFR 240.12b-2).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

Item 2.02 Results of Operations and Financial Condition.

On July 21, 2026, Northpointe Bancshares, Inc. (the “Company”) issued a press release announcing its financial results for the quarter ended June 30, 2026. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Item 7.01 Regulation FD Disclosure.

On July 21, 2026, the Company made available supplemental financial information containing additional information about the Company’s financial results for the quarter ended June 30, 2026. A copy of the supplemental financial information is furnished herewith as Exhibit 99.2 and is incorporated herein by reference.

On July 22, 2026, the Company will host a conference call to discuss financial results for the quarter ended June 30, 2026.

The information in Item 2.02 and 7.01, including the information incorporated herein from Exhibits 99.1 and 99.2, is furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits

Exhibit No. Description

99.1

Press release dated June 30, 2026

99.2

Supplemental financial information for the quarter ended June 30, 2026

104 Cover Page Interactive Data File (embedded within the Inline XBRL document).

* * * * * *

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

NORTHPOINTE BANCSHARES, INC.

Date: July 21, 2026 By: /s/ Bradley T. Howes

Bradley T. Howes

Executive Vice President and Chief Financial Officer

EX-99.1

EX-99.1

Filename: npb-202606x8kxexx991.htm · Sequence: 2

Document

Contacts:

Kevin Comps, President

616-974-8491 | kevin.comps@northpointe.com

Brad Howes, CFO

616-726-2585 | brad.howes@northpointe.com

NORTHPOINTE BANCSHARES, INC. REPORTS SECOND QUARTER 2026 RESULTS

GRAND RAPIDS, MICHIGAN, July 21, 2026 – Northpointe Bancshares, Inc. (NYSE: NPB) ("Northpointe" or the "Company"), the holding company for Northpointe Bank, today reported net income to common stockholders of $21.3 million, or $0.60 per diluted share, for the second quarter of 2026. This compares to $21.7 million, or $0.62 per diluted share, for the first quarter of 2026, and $18.0 million, or $0.51 per diluted share, for the second quarter of 2025.

"We continued to deliver consistent profitability and strong financial performance for the first half of 2026," remarked Chuck Williams, Chairman and Chief Executive Officer. "Our performance reflects the continued success in our Mortgage Purchase Program business, with 36% growth in portfolio balances and 42% growth in total loans funded over the prior year. Our year-to-date results demonstrate the strength and resilience of our franchise, and our ability to generate consistent long-term value for shareholders."

Second Quarter 2026 Highlights

•Delivered consistent profitability and financial performance, including:

•Return on average equity of 14.36%, compared to 15.32% in the prior quarter.

•Return on average tangible common equity of 14.69%, compared to 15.71% in the prior quarter (see non-GAAP reconciliation).

•Return on average assets of 1.18%, compared to 1.28% in the prior quarter.

•Efficiency ratio of 54.76%, compared to 54.30% in the prior quarter.

•Continued growth in the balance sheet, including:

•Mortgage Purchase Program ("MPP") balances increased by $77.3 million, or 8% annualized, from the prior quarter. This is net of $489.0 million in balances participated to other institutions at period end, which compares to $412.7 million in the prior quarter.

•First-lien home equity lines which are tied seamlessly to a demand deposit sweep account (the Company commonly refers to these loans as “All-in-One” or “AIO” loans) balances increased by $36.7 million, or 19% annualized.

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•Total deposits increased by $231.9 million, or 19% annualized, primarily driven by higher brokered CDs.

•Asset quality remained stable:

•Non-performing assets decreased by $4.0 million from the prior quarter.

•Net charge-offs remained historically low at $528,000, or 0.03% of average loans (annualized).

•Wholesale funding ratio stable at 63.09% compared to 62.94% in the prior quarter.

•The Company's Board of Directors declared a regular quarterly cash dividend of $0.025 per share, payable on August 4, 2026, to stockholders of record as of July 15, 2026.

Net Interest Income

Net interest income before provision was $42.4 million for the second quarter of 2026, an increase of $1.1 million compared to the first quarter of 2026. The linked quarter increase reflects a $389.5 million increase in average interest-earning assets partially offset by a 9 basis point decrease in net interest margin. As compared to the second quarter of 2025, net interest income before provision increased by $5.9 million, which was driven primarily by a $1.30 billion increase in average interest-earning assets partially offset by an 11 basis point decrease in net interest margin.

Net interest margin was 2.33% for the second quarter of 2026, a decrease of 9 basis points compared to 2.42% in the first quarter of 2026 and a decrease of 11 basis points compared to 2.44% in the second quarter of 2025. The linked quarter decrease was driven primarily by lower average yields on MPP balances reflecting tighter margins and a decrease in the Secured Overnight Financing Rate ("SOFR") over the same period. Average rates paid on interest-bearing liabilities was flat compared to the linked quarter period. The decrease compared to the prior year quarter was driven primarily by lower average yields on interest-earning assets, which outpaced the decrease in average rates paid on interest-bearing liabilities.

Average interest-earning assets at June 30, 2026 increased by $389.5 million from March 31, 2026 and by $1.30 billion compared to June 30, 2025. The increases from both comparable periods reflect the strong growth in MPP and AIO balances, which are the portfolios the Company is focused on strategically growing, partially offset by continued run-off in the remainder of the loan portfolio.

Provision (Benefit) for Credit Losses

The Company recorded total provision for credit losses expense (including both loans and unfunded commitments) of $210,000 in the second quarter of 2026, compared to a provision (benefit) of $445,000 in the first quarter of 2026 and provision expense of $583,000 in the second quarter of 2025. The Company's quarterly provision (benefit) for credit losses reflects net loan charge-offs, along with factors such as loan growth, portfolio mix, reserves on individually evaluated loans, credit migration trends, and changes in the economic forecasts used in the credit models.

The Company’s allowance for credit losses was $9.4 million at June 30, 2026, $9.7 million at March 31, 2026 and $12.4 million at June 30, 2025. The allowance for credit losses represented 0.15% of loans held for investment at June 30, 2026, 0.15% of loans held for investment at March 31, 2026 and 0.23% of loans held for investment at June 30, 2025. The majority of the growth in the loans held for investment portfolio has come from MPP or AIO balances, with continued run-off in residential

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mortgage, construction, and other consumer / home equity loans, which carry higher average loss rates. In total, at June 30, 2026, residential mortgage, construction, and other consumer / home equity loans have decreased by $45.0 million from March 31, 2026 and by $216.9 million from June 30, 2025.

The total provision for credit losses expense in the second quarter of 2026 reflected net charge-offs of $528,000, and a decrease of $264,000 in allowance for credit losses, which was primarily attributable to lower levels of non-performing loans and continued change in loan mix, partially offset by slightly higher loss rates from the economic forecasts used in the credit models. The total provision (benefit) in the prior quarter reflected net charge-offs of $266,000, and a decrease of $735,000 in allowance for credit losses, which was primarily attributable to lower delinquent loans and continued run-off in the construction loan portfolio. The total provision expense for credit losses in the prior year quarter reflected net charge-offs of $488,000, and an increase of $60,000 in allowance for credit losses.

Non-interest Income

Non-interest income was $21.9 million for the second quarter of 2026, a decrease of $0.3 million compared to the first quarter of 2026 and a decrease of $0.5 million compared to the second quarter of 2025.

MPP fees, which are driven by total loans funded and participation balances, were $2.3 million for the second quarter of 2026, an increase of $0.3 million compared to the first quarter of 2026 and an increase of $1.0 million compared to the second quarter of 2025. The increases from both comparable periods reflect higher levels of funded loans, along with higher levels of participations, in the MPP business.

Loan servicing fees were $2.3 million for the second quarter of 2026, a decrease of $1.3 million compared to the first quarter of 2026 and an increase of $0.7 million compared to the second quarter of 2025. The changes from both comparable periods reflect changes in the fair value of mortgage servicing rights ("MSRs") primarily attributable to the movement in market interest rates during the respective periods.

Net gain on sale of loans was $17.0 million for the second quarter of 2026, compared to $16.5 million for the first quarter of 2026 and $19.4 million for the second quarter of 2025. Net gain on sale of loans includes the capitalization of new MSRs, changes in fair value of loans, and gains on the sale of loans.

The net gain on sale of loans for the second quarter of 2026 included an increase of $657,000 from the combined change in fair value of loans held for investment and lender risk account ("LRA"), which are both attributable to changes in market interest rates. Excluding these items (see Net Gain on Sale of Loans table below for a reconciliation), net gain on sale of loans was $16.4 million, a decrease of $1.4 million on a comparative basis from the first quarter of 2026 and a decrease of $1.2 million on a comparative basis from the second quarter of 2025. The decreases from both comparable periods reflect lower levels of residential mortgage interest rate lock commitments.

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Non-interest Expense

Non-interest expense was $35.2 million for the second quarter of 2026, an increase of $0.8 million compared to the first quarter of 2026 and an increase of $3.5 million compared to the second quarter of 2025.

Salaries and benefits expense increased by $0.7 million on a linked quarter basis and increased by $2.8 million compared to the second quarter of 2025. The linked quarter increase was driven primarily by higher variable compensation on mortgage production reflecting a higher mix of traditional retail volume during the quarter. The increase compared to the prior year quarter was driven primarily by higher salaries and other compensation and bonus and incentive compensation.

Data processing expenses increased by $0.2 million on a linked quarter basis and increased by $0.4 million compared to second quarter of 2025. The increases from both comparable periods were driven primarily by the timing of certain software expenses.

Other taxes and insurance decreased by $0.3 million on a linked quarter basis, but increased by $0.8 million compared to the second quarter of 2025. The changes for both comparable periods were driven primarily by FDIC assessment expense, which fluctuates with changes in assets, wholesale funding mix and utilization of capital.

Taxes

Income tax expense for the second quarter of 2026 was $7.1 million, compared to $7.3 million for the first quarter of 2026 and $6.3 million for the second quarter of 2025. The Company's effective tax rate was 24.72% for both the second and first quarters of 2026, and was 23.67% for the second quarter of 2025.

Balance Sheet Highlights

Total assets were $7.53 billion at June 30, 2026, representing an increase of $134.1 million compared to March 31, 2026 and an increase of $1.10 billion compared to June 30, 2025. The increases for both comparable periods were driven primarily by growth in loans.

Gross loans held for investment were $6.48 billion at June 30, 2026, an increase of $69.0 million, or 4% annualized, compared to March 31, 2026 and an increase of $983.4 million, or 18%, compared to June 30, 2025. The increases for both comparable periods were driven primarily by growth in MPP balances and AIO loans, which were partially offset by decreases in the remainder of the loans held for investment portfolio. The Company continues to focus on growing these two main portfolios. Outside of these two portfolios, no other significant loans are being added to the loans held for investment portfolio. At June 30, 2026, virtually all of the loan portfolio was comprised of loans collateralized by residential property.

Loans held for sale totaled $312.0 million at June 30, 2026, compared to $297.2 million at March 31, 2026 and $331.2 million at June 30, 2025, and reflect the timing of closing saleable residential mortgage originations.

Total deposits were $5.23 billion at June 30, 2026, an increase of $231.9 million, or 19% annualized, compared to March 31, 2026 and an increase of $759.2 million, or 17%, compared to June 30, 2025. The linked quarter increase was driven primarily by higher levels of brokered deposits. As compared to June 30, 2025, the increase was driven primarily by higher levels of interest bearing demand and

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savings deposits, attributable to the growth in the Company's diversified digital deposit banking platform and new deposit relationships.

Total borrowings were $1.51 billion at June 30, 2026, a decrease of $119.0 million compared to March 31, 2026 and an increase of $237.6 million compared to June 30, 2025. The changes for both comparable periods were driven primarily by fluctuations in the use of short-term lines of credit to meet liquidity needs.

Subordinated debentures were $112.0 million at both June 30, 2026 and March 31, 2026, and $24.2 million at June 30, 2025. The increase from June 30, 2025 reflects a private placement of $20.0 million in aggregate principal amount of fixed-to-floating rate subordinated notes issued during the first quarter of 2026 and $70.0 million in aggregate principal amount of a new 7.50% fixed-to-floating rate subordinated notes issued during the fourth quarter of 2025.

Asset Quality

Net charge-offs were $528,000, or 3 basis points annualized as a percentage of average loans, for the second quarter of 2026. This compares to $266,000, or 2 basis points annualized as a percentage of average loans, for the first quarter of 2026, and $488,000, or 4 basis points annualized as a percentage of average loans, for the second quarter of 2025.

A substantial portion of the Company's non-performing loans are wholly or partially guaranteed by the U.S. Government, so asset quality metrics within this earnings release are shown with and without these guaranteed loans. Non-performing assets were $86.7 million at June 30, 2026 ($60.0 million excluding guaranteed loans), $90.7 million at March 31, 2026 ($63.4 million excluding guaranteed loans) and $87.1 million at June 30, 2025 ($58.5 million excluding guaranteed loans). Non-performing assets represented 1.15% of total assets at June 30, 2026 (0.80% excluding guaranteed loans), 1.23% at March 31, 2026 (0.86% excluding guaranteed loans) and 1.35% at June 30, 2025 (0.91% excluding guaranteed loans).

Capital

At June 30, 2026, the estimated capital levels for the Company and its subsidiary bank, Northpointe Bank (the “Bank”), remained well in excess of the minimum amounts needed for capital adequacy purposes, and the Bank’s capital levels met the necessary requirements to be considered "well-capitalized". The regulatory capital ratios as of June 30, 2026 are estimates, pending completion and filing of the Bank's regulatory reports.

Earnings Presentation and Conference Call

Northpointe will host its second quarter of 2026 earnings conference call on July 22, 2026 at 10:00 a.m. E.T. During the call, management will discuss the second quarter of 2026 financial results and provide an update on recent activities. There will be a live question-and-answer session following the presentation. It is recommended you join 10 minutes prior to the start time. Participants may access the live conference call by dialing 1-877-413-2414 and requesting “Northpointe Bancshares, Inc. Conference Call”. The conference call will also be webcast live at ir.northpointe.com. An audio archive will be available on the website following the call.

Forward Looking Statements

Statements in this earnings release regarding future events and our expectations and beliefs about our future financial performance and financial condition, as well as trends in our business and markets,

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constitute “forward-looking statements” within the meaning of, and subject to the protections of, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements are made for purposes of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are not historical in nature and may be identified by references to a future period or periods by the use of the words “believe,” “expect,” “anticipate,” “intend,” “plan,” “estimate,” “project,” “outlook,” or words of similar meaning, or future or conditional verbs such as “will,” “would,” “should,” “could,” or “may.” The forward-looking statements in this earnings release should not be relied on because they are based on current information and on assumptions that we make about future events and circumstances that are subject to a number of known and unknown risks and uncertainties that are often difficult to predict and beyond our control. As a result of those risks and uncertainties, and other factors, our actual financial results in the future could differ, possibly materially, from those expressed in or implied by the forward-looking statements contained in this earnings release and could cause us to amend our future plans. Factors that might cause such differences include, but are not limited to: the impact of current and future economic conditions, particularly those affecting the financial services industry, including the effects of declines in the real estate market, tariffs or trade wars (including reduced consumer spending, lower economic growth or recession, reduced demand for U.S. exports, disruptions to supply chains, and decreased demand for other banking products and services), high unemployment rates, inflationary pressures, increasing insurance costs, volatile interest rates, including the impact of changes in interest rates on our financial projections, models and guidance and slowdowns in economic growth, as well as the financial stress on borrowers as a result of the foregoing; uncertain duration of trade conflicts; potential impacts of adverse developments in the banking and mortgage industries, including impacts on deposits, liquidity and the regulatory rules and regulations; risks arising from media coverage of the banking and mortgage industries; risks arising from perceived instability in the banking and mortgage sectors; changes in the interest rate environment, including changes to the federal funds rate, which could have an adverse effect on the Company’s profitability; changes in prices, values and sales volumes of residential real estate; developments in our mortgage banking business, including loan modifications, general demand, and the effects of judicial or regulatory requirements or guidance; competition in our markets that may result in increased funding costs or reduced earning assets yields, thus reducing margins and net interest income; legislation or regulatory changes which could adversely affect the ability of the consolidated Company to conduct business combinations or new operations; changes in tax laws; significant turbulence or a disruption in the capital or financial markets and the effect of a fall in stock market prices on our investment securities; significant volatility in the markets for equity, fixed income and other asset classes globally or within specific markets; the ability to keep pace with technological changes, including changes regarding maintaining cybersecurity and managing the risks, regulatory uncertainty and operational impacts associated with generative artificial intelligence; increased competition in the financial services industry, particularly from regional and national institutions as well as fintech companies and other non-bank financial service providers offering digital, automated or alternative financial products and services; the impact of a failure in, or breach of, the Company's operational or security systems or infrastructure, or those of third parties with whom the Company does business, including as a result of cyber-attacks or an increase in the incidence or severity of fraud, illegal payments, security breaches or other illegal acts impacting the Company or the Company's customers; the effects of war or other conflicts, including the ongoing conflicts in the Middle East; major political shifts domestically or internationally (including federal budget disputes, debt ceiling negotiations, government shutdowns or other disruptions affecting government operations); and adverse results from current or future litigation, regulatory examinations or other legal and/or regulatory actions, including as a result of the Company’s participation in and execution of government programs, and legislative, regulatory or supervisory actions related to so‑called

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“de‑banking,” including any new prohibitions, requirements or enforcement priorities that could affect customer relationships, compliance obligations, or operational practices.

Therefore, the Company can give no assurance that the results contemplated in the forward-looking statements will be realized. Additional information regarding these and other risks and uncertainties to which our business and future financial performance are subject is contained in the sections titled “Cautionary Note Regarding Forward-Looking Statements” and “Risk Factors” in the Company’s most recent Annual Report on Form 10-K and Quarterly Reports on Form 10-Q on file with the U.S. Securities and Exchange Commission (the “SEC”), and in other documents that we file with the SEC from time to time, which are available on the SEC’s website, http://www.sec.gov. Due to these and other possible uncertainties and risks, readers are cautioned not to place undue reliance on the forward-looking statements contained in this earnings release or to make predictions based solely on historical financial performance. Any forward-looking statement speaks only as of the date on which it is made, and we do not undertake any obligation to update or review any forward-looking statement, whether as a result of new information, future developments or otherwise, except as required by law. All forward-looking statements, express or implied, included in this earnings release are qualified in their entirety by this cautionary statement.

About Northpointe

Headquartered in Grand Rapids, Michigan, Northpointe Bancshares, Inc. is the holding company of Northpointe Bank, a client-focused company that provides home loans and retail banking products to communities across the nation. Our mission is to be the best bank in America by bringing value and innovation to the people we serve. To learn more visit www.northpointe.com.

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NORTHPOINTE BANCSHARES, INC.

(unaudited, dollars in thousands except per share data)

Consolidated Statements of Income

Three Months Ended Six Months Ended

June 30, 2026 Mar 31,

2026 June 30,

2025 June 30,

2026 June 30,

2025

Interest income

Loans - including fees $ 100,126  $ 94,913  $ 86,260  $ 195,040  $ 158,332

Investment securities - taxable 61  57  158  117  312

Federal Home Loan Bank ("FHLB") stock - taxable 1,780  1,745  1,553  3,526  3,181

Interest bearing deposits 5,071  4,788  5,122  9,859  10,418

Total interest income 107,038  101,503  93,093  208,542  172,243

Interest expense

Deposits 47,715  44,455  43,582  92,169  79,893

Subordinated debentures 2,519  2,102  678  4,621  1,564

Borrowings 14,382  13,673  12,313  28,055  23,877

Total interest expense 64,616  60,230  56,573  124,845  105,334

Net interest income 42,422  41,273  36,520  83,697  66,909

Provision (benefit) for credit losses 264  (469) 548  (205) 1,932

Provision (benefit) for unfunded commitments (54) 24  35  (30) (55)

Net interest income after provision (benefit) for credit losses and unfunded commitments 42,212  41,718  35,937  83,932  65,032

Non-Interest Income

Service charges on deposits and fees 315  264  239  579  419

Loan servicing fees 2,268  3,548  1,525  5,816  2,520

MPP fees 2,306  1,970  1,355  4,276  2,496

Net gain on sale of loans 17,046  16,547  19,351  33,592  37,938

Other non-interest income (loss) (41) (184) (32) (224) 1,939

Total Non-Interest Income 21,894  22,145  22,438  44,039  45,312

Non-Interest Expense

Salaries and benefits 25,026  24,353  22,234  49,379  42,677

Occupancy and equipment 744  820  918  1,565  1,890

Data processing expense 2,521  2,349  2,155  4,870  4,262

Professional fees 1,362  1,318  1,793  2,680  3,021

Other taxes and insurance 1,987  2,237  1,190  4,224  2,977

Other non-interest expense 3,579  3,358  3,432  6,937  6,267

Total Non-Interest Expense 35,219  34,435  31,722  69,655  61,094

Income before income taxes 28,887  29,428  26,653  58,316  49,250

Income tax expense 7,141  7,274  6,309  14,415  11,658

Net Income $ 21,746  $ 22,154  $ 20,344  $ 43,901  $ 37,592

Preferred stock dividends 453  453  2,296  906  4,503

Net Income Available To Common Stockholders $ 21,293  $ 21,701  $ 18,048  $ 42,995  $ 33,089

Basic Earnings Per Share $ 0.61  $ 0.63  $ 0.52  $ 1.24  $ 1.03

Diluted Earnings Per Share $ 0.60  $ 0.62  $ 0.51  $ 1.22  $ 1.01

Weighted Average Shares Outstanding 34,740,412 34,702,246 34,574,086 34,721,434 32,208,838

Diluted Weighted Average Shares Outstanding 35,416,828 35,260,806 35,218,962 35,339,248 32,833,905

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NORTHPOINTE BANCSHARES, INC.

(unaudited, dollars in thousands except per share data)

Consolidated Balance Sheets

June 30,

2026 Mar 31,

2026 June 30,

2025

Assets

Cash and cash equivalents $ 538,359  $ 487,617  $ 415,659

Equity securities 1,333  1,339  1,329

Debt securities available for sale 4,880  4,884  8,785

FHLB stock 76,099  80,109  69,574

Loans held for sale ("HFS"), at fair value 311,991  297,243  331,199

Loans held for investment ("HFI") (1)

6,480,158  6,411,197  5,496,806

Allowance for credit losses (9,436) (9,700) (12,375)

Net loans 6,470,722  6,401,497  5,484,431

Mortgage servicing rights 23,088  20,608  16,388

Intangible assets, net 1,220  1,367  1,806

Premises and equipment 26,970  27,394  27,479

Other assets 75,289  73,819  74,244

Total Assets $ 7,529,951  $ 7,395,877  $ 6,430,894

Liabilities

Non-interest-bearing $ 261,524  $ 277,239  $ 201,449

Interest-bearing 4,971,791  4,724,178  4,272,622

Total Deposits 5,233,315  5,001,417  4,474,071

Borrowings 1,512,500  1,631,496  1,274,929

Subordinated debentures 111,955  111,872  24,181

Subordinated debentures issued through trusts 5,000  5,000  5,000

Deferred tax liability 4,637  4,110  3,141

Other liabilities 50,896  51,989  45,295

Total Liabilities 6,918,303  6,805,884  5,826,617

Stockholders' Equity

Preferred stock, common stock and additional paid in capital 206,104  204,875  276,885

Retained earnings 405,634  385,206  327,556

Accumulated other comprehensive loss (90) (88) (164)

Total Stockholders' Equity 611,648  589,993  604,277

Total Liabilities and Stockholders' Equity $ 7,529,951  $ 7,395,877  $ 6,430,894

(1) Includes $165.6 million, $173.9 million and $175.1 million of loans carried at fair value at June 30, 2026, March 31, 2026 and June 30, 2025, respectively.

Northpointe Bancshares, Inc. Reports Second Quarter 2026 Results

July 21, 2026

10 of 18

NORTHPOINTE BANCSHARES, INC.

(unaudited, dollars in thousands except per share data)

Selected Financial Highlights

Three Months Ended Six Months Ended

June 30,

2026 Mar 31,

2026 June 30,

2025 June 30,

2026 June 30,

2025

PER COMMON SHARE

Diluted earnings per share $ 0.60  $ 0.62  $ 0.51  $ 1.22  $ 1.01

Book value $ 17.69  $ 17.10  $ 17.58  $ 17.69  $ 17.58

Tangible book value (1)

$ 16.94  $ 16.35  $ 14.67  $ 16.94  $ 14.67

PERFORMANCE RATIOS

Return on average assets (annualized) 1.18  % 1.28  % 1.34  % 1.23  % 1.32  %

Return on average equity (annualized) 14.36  % 15.32  % 13.60  % 14.83  % 13.40  %

Return on average tangible common equity (annualized) (1)

14.69  % 15.71  % 14.49  % 15.19  % 14.41  %

Net interest margin 2.33  % 2.42  % 2.44  % 2.37  % 2.40  %

Efficiency ratio (2)

54.76  % 54.30  % 53.80  % 54.53  % 54.44  %

ASSET QUALITY AND RATIOS

Allowance for credit losses to loans HFI 0.15  % 0.15  % 0.23  % 0.15  % 0.23  %

Allowance for credit losses to loans HFI (excluding fair value loans) 0.15  % 0.16  % 0.23  % 0.15  % 0.23  %

Allowance for credit losses to non-accrual loans 11.80  % 12.07  % 15.10  % 11.80  % 15.10  %

Allowance for credit losses to non-accrual loans (excluding guaranteed) (3)

17.19  % 17.67  % 22.75  % 17.19  % 22.75  %

Net charge-offs $ 528  $ 266  $ 488  $ 794  $ 747

Annualized net charge-offs to average loans 0.03  % 0.02  % 0.04  % 0.02  % 0.03  %

Non-performing assets to total assets 1.15  % 1.23  % 1.35  % 1.15  % 1.35  %

Non-performing assets to total assets (excluding guaranteed) (3)

0.80  % 0.86  % 0.91  % 0.80  % 0.91  %

Non-performing loans to total gross loans 1.23  % 1.30  % 1.49  % 1.23  % 1.49  %

Non-performing loans to total gross loans (excluding guaranteed) (3)

0.84  % 0.90  % 1.01  % 0.84  % 1.01  %

SELECTED OTHER INFORMATION

Equity / assets 8.12  % 7.98  % 9.40  % 8.12  % 9.40  %

Tangible common equity / tangible assets (1)

7.78  % 7.63  % 7.84  % 7.78  % 7.84  %

Loans / deposits (4)

123.83  % 128.19  % 122.86  % 123.83  % 122.86  %

Liquidity ratio (5)

7.15  % 6.59  % 6.46  % 7.15  % 6.46  %

Wholesale funding ratio (6)

63.09  % 62.94  % 70.71  % 63.09  % 70.71  %

SELECTED MORTGAGE DATA

Residential mortgage originations $ 670,607 $ 693,674 $ 665,515 $ 1,364,281 $ 1,151,020

Residential mortgage interest rate lock commitments $ 719,118 $ 901,682 $ 753,317 $ 1,620,800 $ 1,482,753

Residential mortgage applications $ 1,006,895 $ 1,073,628 $ 1,096,299 $ 2,080,523 $ 2,170,036

MPP total loans funded $ 12,806,011 $ 11,163,102 $ 9,009,750 $ 23,969,113 $ 15,753,867

MPP balances participated (period end) $ 489,009 $ 412,693 $ 8,644 $ 489,009 $ 8,644

Total loans serviced for others (UPB) (7)

$ 5,498,627 $ 5,231,083 $ 4,019,138 $ 5,498,627 $ 4,019,138

Loans serviced for others (UPB) $ 2,031,256 $ 1,948,505 $ 1,596,367 $ 2,031,256 $ 1,596,367

Loans sub-serviced for others (UPB) $ 3,467,371 $ 3,282,578 $ 2,422,771 $ 3,467,371 $ 2,422,771

(1)See non-GAAP reconciliation.

(2)Efficiency ratio is defined as non-interest expense divided by the sum of net interest income and non-interest income.

(3)Ratio excludes non-performing loans wholly or partially insured by the U.S. Government (see non-performing asset table within for more detail).

(4)Loan / deposits ratio reflects loans HFI as a percentage of total deposits.

(5)Liquidity ratio defined as cash and cash equivalents divided by total assets.

(6)Wholesale funding ratio defined as brokered CDs plus borrowings divided by total deposits plus borrowings.

(7)Excludes UPB of loans HFI and loans HFS.

Northpointe Bancshares, Inc. Reports Second Quarter 2026 Results

July 21, 2026

11 of 18

Summary Average Balance Sheet

(Dollars in thousands)

Three Months Ended Three Months Ended Three Months Ended

June 30, 2026 March 31, 2026 June 30, 2025

Average Principal Balance Income/ Expense Yield/ Rate Average Principal Balance Income/ Expense Yield/ Rate Average Principal Balance Income/ Expense Yield/ Rate

Assets

Loans (1)(2)

$ 6,664,882  $ 100,126  6.03  % $ 6,297,404  $ 94,913  6.11  % $ 5,462,596  $ 86,261  6.33  %

Securities, AFS (3)

6,120  61  4.00  % 6,199  57  3.73  % 9,916  157  6.35  %

Securities, FHLB Stock 76,461  1,780  9.34  % 80,109  1,745  8.83  % 69,574  1,553  8.95  %

Interest bearing deposits 553,686  5,071  3.67  % 527,962  4,788  3.68  % 463,199  5,122  4.44  %

Total Interest Earning Assets 7,301,149  107,038  5.88  % 6,911,674  101,503  5.96  % 6,005,285  93,093  6.22  %

Noninterest Earning Assets (4)

115,708  110,236  105,120

Total Assets $ 7,416,857  $ 7,021,910  $ 6,110,405

Liabilities

Deposits:

Transaction accounts $ 1,254,772  $ 12,446  3.98  % $ 1,121,322  $ 10,912  3.95  % $ 765,245  $ 8,394  4.40  %

Savings & money market 491,371  4,187  3.42  % 534,564  4,614  3.50  % 326,396  3,114  3.83  %

Time 3,136,971  31,082  3.97  % 2,939,195  28,929  3.99  % 2,903,158  32,074  4.43  %

Total interest-bearing deposits 4,883,114  47,715  3.92  % 4,595,081  44,455  3.92  % 3,994,799  43,582  4.38  %

Sub Debt 116,905  2,519  8.64  % 101,378  2,102  8.41  % 29,166  678  9.32  %

Borrowings 1,455,723  14,382  3.96  % 1,401,300  13,673  3.96  % 1,249,314  12,313  3.95  %

Total interest-bearing liabilities 6,455,742  64,616  4.01  % 6,097,759  60,230  4.01  % 5,273,279  56,573  4.30  %

Noninterest-bearing deposits 301,940  292,437  195,275

Other noninterest-bearing liabilities 51,939  45,273  41,998

Total noninterest-bearing liabilities 353,879  337,710  237,273

Equity 607,236  586,441  599,853

$ 7,416,857  $ 7,021,910  $ 6,110,405

Net Interest Income $ 42,422  $ 41,273  $ 36,520

Net Interest Spread (5)

1.87  % 1.95  % 1.91  %

Net Interest Margin (6)

2.33  % 2.42  % 2.44  %

(1)    Loan balance includes loans HFI and loans HFS. Nonaccrual loans are included in total loan balances and no adjustment has been made for these loans in the yield calculation. Interest income on loans includes amortization of deferred loan fees, net of deferred loan costs.

(2)    Loan fees of $51,000, $74,000, and $30,000 for the quarters ended June 30, 2026, March 31, 2026 and June 30, 2025, respectively, are included in interest income.

(3)    Average yield based on carrying value and there are no tax-exempt securities in the portfolio.

(4)    Noninterest-earning assets includes the allowance for credit losses.

(5)    Net interest spread is the average yield on total interest-earning assets minus the average rate on total interest-bearing liabilities.

(6)    Net interest margin is annualized net interest income divided by total average interest-earning assets.

Northpointe Bancshares, Inc. Reports Second Quarter 2026 Results

July 21, 2026

12 of 18

Summary Average Balance Sheet

(Dollars in thousands)

Six Months Ended Six Months Ended

June 30, 2026 June 30, 2025

Average Principal Balance Income/ Expense Yield/ Rate Average Principal Balance Income/ Expense Yield/ Rate

Assets

Loans (1)(2)

$ 6,482,158  $ 195,040  6.07  % $ 5,069,698  $ 158,332  6.30  %

Securities, AFS (3)

6,159  117  3.83  % 9,913  312  6.35  %

Securities, FHLB Stock 78,275  3,526  9.08  % 69,574  3,181  9.22  %

Interest bearing deposits 540,895  9,859  3.68  % 475,123  10,418  4.42  %

Total Interest Earning Assets 7,107,487  208,542  5.92  % 5,624,308  172,243  6.18  %

Noninterest Earning Assets (4)

112,988  106,952

Total Assets $ 7,220,475  $ 5,731,260

Liabilities

Deposits:

Transaction accounts $ 1,188,416  $ 23,357  3.96  % $ 752,548  $ 16,385  4.39  %

Savings & money market 512,848  8,801  3.46  % 331,730  6,363  3.87  %

Time 3,038,629  60,011  3.98  % 2,580,565  57,145  4.47  %

Total interest-bearing deposits 4,739,893  92,169  3.92  % 3,664,843  79,893  4.40  %

Sub Debt 109,184  4,621  8.53  % 29,154  1,564  10.82  %

Borrowings 1,428,756  28,055  3.96  % 1,229,809  23,877  3.92  %

Total interest-bearing liabilities 6,277,833  124,845  4.01  % 4,923,806  105,334  4.31  %

Noninterest-bearing deposits 297,216  203,177

Other noninterest-bearing liabilities 48,530  38,581

Total noninterest-bearing liabilities 345,746  241,758

Equity 596,896  565,696

Total Liabilities and Equity $ 7,220,475  $ 5,731,260

Net Interest Income $ 83,697  $ 66,909

Net Interest Spread (5)

1.91  % 1.86  %

Net Interest Margin (6)

2.37  % 2.40  %

(1)    Loan balance includes loans HFI and loans HFS. Nonaccrual loans are included in total loan balances and no adjustment has been made for these loans in the yield calculation. Interest income on loans includes amortization of deferred loan fees, net of deferred loan costs.

(2)    Loan fees of $110,000 and $70,000 for the six months ended June 30, 2026 and 2025, respectively, are included in interest income.

(3)    Average yield based on carrying value and there are no tax-exempt securities in the portfolio.

(4)    Noninterest-earning assets includes the allowance for credit losses.

(5)    Net interest spread is the average yield on total interest-earning assets minus the average rate on total interest-bearing liabilities.

(6)    Net interest margin is annualized net interest income divided by total average interest-earning assets.

Northpointe Bancshares, Inc. Reports Second Quarter 2026 Results

July 21, 2026

13 of 18

End of Period Loan Balances

(Dollars in thousands) June 30,

2026 Mar 31,

2026 June 30,

2025

Residential:

Construction $ 8,271  $ 11,008  $ 27,144

All-in-One (AIO) 797,232  760,550  662,829

Other Consumer/Home Equity 48,127  50,208  54,495

Residential Mortgage (1)

1,668,169  1,728,291  1,859,814

Commercial 20,438  477  856

MPP 3,937,921  3,860,663  2,891,668

Total Loans HFI 6,480,158  6,411,197  5,496,806

Total Loans HFS 311,991  297,243  331,199

Total Gross Loans (HFI and HFS) $ 6,792,149  $ 6,708,440  $ 5,828,005

(1) Residential mortgage loans consist of closed end first liens, closed end second liens, and land development loans.

End of Period Deposit Balances

(Dollars in thousands) June 30,

2026 Mar 31,

2026 June 30,

2025

Noninterest-bearing demand $ 261,524  $ 277,239  $ 201,449

Interest-bearing demand 1,359,670  1,299,693  749,479

Savings & money market 473,955  510,807  327,244

Brokered time deposits 2,743,529  2,543,511  2,790,399

Other time deposits 394,637  370,167  405,500

Total deposits $ 5,233,315  $ 5,001,417  $ 4,474,071

Loan Servicing Fees Three Months Ended Six Months Ended

(Dollars in thousands) June 30,

2026 Mar 31,

2026 June 30,

2025 June 30,

2026 June 30,

2025

Fees on servicing $ 2,388  $ 2,226  $ 1,827  $ 4,614  $ 3,529

Change in fair value of MSRs (1)

(120) 1,322  (302) 1,202  (1,009)

Total loan servicing fees $ 2,268  $ 3,548  $ 1,525  $ 5,816  $ 2,520

(1) Includes change in fair value and paid in full MSRs.

Northpointe Bancshares, Inc. Reports Second Quarter 2026 Results

July 21, 2026

14 of 18

Net Gain on Sale of Loans Three Months Ended Six Months Ended

(Dollars in thousands) June 30,

2026 Mar 31,

2026 June 30,

2025 June 30,

2026 June 30,

2025

Capitalized MSRs $ 2,750  $ 2,238  $ 902  $ 4,988  $ 1,968

Change in fair value of loans (1)

2,706  (3,524) 3,340  (818) 8,018

Gain/loss on sale of portfolio loans (2)

—  —  —  —  —

Gain on sale of loans, net (3)

11,590  17,833  15,109  29,422  27,952

Total net gain on sale of loans $ 17,046  $ 16,547  $ 19,351  $ 33,592  $ 37,938

Total net gain on sale of loans $ 17,046  $ 16,547  $ 19,351  $ 33,592  $ 37,938

Exclude: (increases) decreases in fair value of loans HFI and LRA (657) 1,221  (1,812) 564  (5,509)

Exclude: Gain/loss on sale of portfolio loans —  —  —  —  —

Total net gain on sale of loans, excluding portfolio sales and LRA / HFI fair value adjustments $ 16,389  $ 17,768  $ 17,539  $ 34,156  $ 32,429

(1) Includes the change in fair value of interest rate locks, loans HFS, and loans HFI.

(2) Includes proceeds from portfolio loans sales, which are netted against any associated changes in fair value of loans to determine total gain or loss on sale.

(3) Includes (a) net premium on sale of loans, (b) loan origination fees, points and costs, (c) provision from investor reserves, (d) gain or loss from forward commitments from hedging, and (e) fair value of LRA.

Salaries and employee benefits Three Months Ended Six Months Ended

(Dollars in thousands) June 30,

2026 Mar 31,

2026 June 30,

2025 June 30,

2026 June 30,

2025

Salaries and other compensation $ 8,827  $ 8,572  $ 7,679  $ 17,399  $ 15,667

Salary deferral from loan origination (1,203) (1,061) (991) (2,264) (1,959)

Bonus and incentive compensation 4,274  4,600  3,564  8,874  7,206

MPP - variable compensation 1,536  1,489  1,058  3,025  1,676

Mortgage production - variable compensation 8,259  7,041  7,730  15,300  13,788

Employee benefits 3,333  3,712  3,194  7,045  6,299

Total salaries and employee benefits $ 25,026  $ 24,353  $ 22,234  $ 49,379  $ 42,677

Northpointe Bancshares, Inc. Reports Second Quarter 2026 Results

July 21, 2026

15 of 18

Non-performing Assets

(Dollars in thousands) June 30,

2026 Mar 31,

2026 June 30,

2025

Unguaranteed $ 54,888 $ 54,902 $ 54,402

Wholly or partially guaranteed 25,073 25,460 27,577

Total non-accrual loans $ 79,961 $ 80,362 $ 81,979

Unguaranteed $ 2,132 $ 5,146 $ 3,938

Wholly or partially guaranteed 1,598 1,852 974

Total past due loans (90 days or more and still accruing) $ 3,730 $ 6,998 $ 4,912

Unguaranteed $ 57,020 $ 60,048 $ 58,340

Wholly or partially guaranteed 26,671 27,312 28,551

Total non-performing loans $ 83,691 $ 87,360 $ 86,891

Other real estate owned $ 2,980 $ 3,355 $ 203

Total non-performing assets $ 86,671 $ 90,715 $ 87,094

Total non-performing assets (excl wholly or partially guaranteed) $ 60,000 $ 63,403 $ 58,543

Loans past due 31-89 days $ 40,066 $ 34,639 $ 44,626

Ratios:

Non-accrual loans to total gross loans 1.18  % 1.20  % 1.41  %

Non-performing loans to total gross loans 1.23  % 1.30  % 1.49  %

Non-performing assets to total assets 1.15  % 1.23  % 1.35  %

Ratios excluding loans wholly or partially guaranteed:

Non-accrual loans to total gross loans 0.81  % 0.82  % 0.93  %

Non-performing loans to total gross loans 0.84  % 0.90  % 1.01  %

Non-performing assets to total assets 0.80  % 0.86  % 0.91  %

Northpointe Bancshares, Inc. Reports Second Quarter 2026 Results

July 21, 2026

16 of 18

Regulatory Capital Ratios (1)

June 30,

2026 Mar 31,

2026 June 30,

2025

Total Capital (to Risk Weighted Assets)

Consolidated 11.62  % 11.44  % 11.80  %

Bank 11.26  % 11.05  % 11.34  %

Tier 1 (Core) Capital (to Risk Weighted Assets)

Consolidated 9.66  % 9.45  % 11.15  %

Bank 11.10  % 10.89  % 11.15  %

CET 1 Capital Ratio (to Risk Weighted Assets)

Consolidated 9.19  % 8.97  % 9.25  %

Bank 11.10  % 10.89  % 11.15  %

Tier 1 Capital (to Average Assets)

Consolidated 8.30  % 8.46  % 9.98  %

Bank 9.54  % 9.75  % 9.98  %

(1) The regulatory capital ratios as of June 30, 2026 are estimates, pending completion and filing of the Bank's regulatory reports.

Northpointe Bancshares, Inc. Reports Second Quarter 2026 Results

July 21, 2026

17 of 18

Non-GAAP Financial Measures

This earnings release contains certain financial measures that are not measures recognized under U.S. generally accepted accounting principles (“GAAP”) and therefore are considered non-GAAP financial measures. The measures entitled tangible common equity, tangible book value, tangible assets, tangible common equity to tangible assets and return on average tangible common equity are not measures recognized under GAAP and therefore are considered non-GAAP financial measures. The most comparable GAAP measures to these measures are stockholders’ equity, book value per share, total assets, equity to assets and return on average equity, respectively.

The Company believes that non-GAAP financial measures provide useful information to management and investors that is supplementary to its financial condition, results of operations and cash flows computed in accordance with GAAP; however the Company acknowledges that the non-GAAP financial measures have inherent limitations. As such, these disclosures should not be viewed as a substitute for results determined in accordance with GAAP, and these disclosures are not necessarily comparable to non-GAAP financial measures that other companies use.

The Company calculates tangible common equity as stockholders' equity less goodwill and intangible assets (net of deferred tax liability ("DTL")) and preferred stock. The Company calculates tangible book value ("TBV") per share as tangible common equity divided by the number of shares of common stock outstanding at the end of the relevant period. The Company calculates tangible assets as total assets less intangible assets (net of DTL). The Company calculates tangible common equity/tangible assets as tangible common equity divided by tangible assets. The Company calculates return on average tangible common equity as annualized net income available to common stockholders divided by average tangible equity. The most directly comparable GAAP financial measures are outlined in the non-GAAP reconciliation table below.

Northpointe Bancshares, Inc. Reports Second Quarter 2026 Results

July 21, 2026

18 of 18

Non-GAAP Measures Reconciliation

As of or for the Three Months Ended As of or for the Six

Months Ended

(Dollars in thousands) June 30,

2026 Mar 31,

2026 June 30,

2025 June 30,

2026 June 30,

2025

Stockholders' equity (GAAP) $ 611,648  $ 589,993  $ 604,277  $ 611,648  $ 604,277

Less: Preferred stock 24,979  24,979  98,734  24,979  98,734

Less: Intangible assets, net of DTL 919  1,029  1,379  919  1,379

Tangible common equity 585,750  563,985  504,164  585,750  504,164

Common shares at end of period 34,581,842  34,494,116  34,364,659  34,581,842  34,364,659

Tangible book value per share $ 16.94  $ 16.35  $ 14.67  $ 16.94  $ 14.67

Book value per share (GAAP) $ 17.69  $ 17.10  $ 17.58  $ 17.69  $ 17.58

Total assets (GAAP) $ 7,529,951  $ 7,395,877  $ 6,430,894  $ 7,529,951  $ 6,430,894

Less: Intangible assets, net of DTL 919  1,029  1,379  919  1,379

Tangible assets $ 7,529,032  $ 7,394,848  $ 6,429,515  $ 7,529,032  $ 6,429,515

Tangible common equity/tangible assets 7.78  % 7.63  % 7.84  % 7.78  % 7.84  %

Equity to assets (GAAP) 8.12  % 7.98  % 9.40  % 8.12  % 9.40  %

Net income $ 21,746  $ 22,154  $ 20,344  $ 43,901  $ 37,592

Less: Preferred stock dividends 453  453  2,296  906  4,503

Net income available to common stockholders 21,293  21,701  18,048  42,995  33,089

Annualized net income available to common stockholders 85,406  88,010  72,390  86,703  66,726

Average tangible common equity 581,266  560,361  499,667  570,863  463,075

Return on average tangible common equity 14.69  % 15.71  % 14.49  % 15.19  % 14.41  %

Annualized net income 87,223  89,847  81,600  88,530  75,807

Average equity 607,236  586,441  599,853  596,896  565,696

Return on average equity (GAAP) 14.36  % 15.32  % 13.60  % 14.83  % 13.40  %

EX-99.2

EX-99.2

Filename: q22026earningscallslides.htm · Sequence: 3

q22026earningscallslides

July 22, 2026 Second Quarter 2026 Earnings Call Presentation

Disclaimer Forward-Looking Statements Statements in this presentation regarding future events and our expectations and beliefs about our future financial performance and financial condition, as well as trends in our business and markets, constitute “forward-looking statements” within the meaning of, and subject to the protections of, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements are made for purposes of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are not historical in nature and may be identified by references to a future period or periods by the use of the words “believe,” “expect,” “anticipate,” “intend,” “plan,” “estimate,” “project,” “outlook,” or words of similar meaning, or future or conditional verbs such as “will,” “would,” “should,” “could,” or “may.” The forward-looking statements in this presentation should not be relied on because they are based on current information and on assumptions that we make about future events and circumstances that are subject to a number of known and unknown risks and uncertainties that are often difficult to predict and beyond our control. As a result of those risks and uncertainties, and other factors, our actual financial results in the future could differ, possibly materially, from those expressed in or implied by the forward-looking statements contained in this presentation and could cause us to amend our future plans. Factors that might cause such differences include, but are not limited to: the impact of current and future economic conditions, particularly those affecting the financial services industry, including the effects of declines in the real estate market, tariffs or trade wars (including reduced consumer spending, lower economic growth or recession, reduced demand for U.S. exports, disruptions to supply chains, and decreased demand for other banking products and services), high unemployment rates, inflationary pressures, increasing insurance costs, volatile interest rates, including the impact of changes in interest rates on our financial projections, models and guidance and slowdowns in economic growth, as well as the financial stress on borrowers as a result of the foregoing; uncertain duration of trade conflicts; potential impacts of adverse developments in the banking and mortgage industries, including impacts on deposits, liquidity and the regulatory rules and regulations; risks arising from media coverage of the banking and mortgage industries; risks arising from perceived instability in the banking and mortgage sectors; changes in the interest rate environment, including changes to the federal funds rate, which could have an adverse effect on the Company’s profitability; changes in prices, values and sales volumes of residential real estate; developments in our mortgage banking business, including loan modifications, general demand, and the effects of judicial or regulatory requirements or guidance; competition in our markets that may result in increased funding costs or reduced earning assets yields, thus reducing margins and net interest income; legislation or regulatory changes which could adversely affect the ability of the consolidated Company to conduct business combinations or new operations; changes in tax laws; significant turbulence or a disruption in the capital or financial markets and the effect of a fall in stock market prices on our investment securities; significant volatility in the markets for equity, fixed income and other asset classes globally or within specific markets the ability to keep pace with technological changes, including changes regarding maintaining cybersecurity and managing the risks, regulatory uncertainty and operational impacts associated with impact of generative artificial intelligence; increased competition in the financial services industry, particularly from regional and national institutions as well as fintech companies and other non-bank financial service providers offering digital, automated or alternative financial products and services; the impact of a failure in, or breach of, the Company's operational or security systems or infrastructure, or those of third parties with whom the Company does business, including as a result of cyber-attacks or an increase in the incidence or severity of fraud, illegal payments, security breaches or other illegal acts impacting the Company or the Company's customers; the effects of war or other conflicts, including the ongoing conflicts in the Middle East; major political shifts domestically or internationally (including federal budget disputes, debt ceiling negotiations, government shutdowns or other disruptions affecting government operations); and adverse results from current or future litigation, regulatory examinations or other legal and/or regulatory actions, including as a result of the Company’s participation in and execution of government programs, and legislative, regulatory or supervisory actions related to so-called “de-banking,” including any new prohibitions, requirements or enforcement priorities that could affect customer relationships, compliance obligations, or operational practices. Therefore, the Company can give no assurance that the results contemplated in the forward-looking statements will be realized. Additional information regarding these and other risks and uncertainties to which our business and future financial performance are subject is contained in the sections titled “Cautionary Note Regarding Forward-Looking Statements” and “Risk Factors” in the Company’s most recent Annual Report on Form 10-K and Quarterly Reports on Form 10-Q on file with the U.S. Securities and Exchange Commission (the “SEC”), and in other documents that we file with the SEC from time to time, which are available on the SEC’s website, http://www.sec.gov. Due to these and other possible uncertainties and risks, readers are cautioned not to place undue reliance on the forward-looking statements contained in this presentation or to make predictions based solely on historical financial performance. Any forward-looking statement speaks only as of the date on which it is made, and we do not undertake any obligation to update or review any forward-looking statement, whether as a result of new information, future developments or otherwise, except as required by law. All forward-looking statements, express or implied, included in this presentation are qualified in their entirety by this cautionary statement. 2 Use of Non-GAAP Financial Measures This presentation contains certain financial measures that are not measures recognized under U.S. generally accepted accounting principles (“GAAP”) and therefore are considered non-GAAP financial measures. The measures entitled tangible common equity, tangible book value per share, tangible assets, tangible common equity to tangible assets and return on average tangible common equity are not measures recognized under GAAP and therefore are considered non-GAAP financial measures. The most comparable GAAP measures to these measures are stockholders’ equity, book value per share, total assets, equity to assets and return on average equity, respectively. The Company calculates tangible common equity as stockholders' equity less goodwill and intangible assets net of deferred tax liability ("DTL") and preferred stock. The Company calculates tangible book value per share as tangible common equity divided by the number of shares of common stock outstanding at the end of the relevant period. The Company calculates tangible assets as total assets less intangible assets (net of DTL). The Company calculates tangible common equity to tangible assets as tangible common equity divided by tangible assets. The Company calculates return on average tangible common equity as annualized net income available to common stockholders divided by average tangible equity. The most directly comparable GAAP financial measures are outlined in the non-GAAP reconciliation in the Appendix of this slide presentation. The Company believes that non-GAAP financial measures provide useful information to management and investors that is supplementary to its financial condition, results of operations and cash flows computed in accordance with GAAP; however the Company acknowledges that the non-GAAP financial measures have inherent limitations. As such, these disclosures should not be viewed as a substitute for results determined in accordance with GAAP, and these disclosures are not necessarily comparable to non-GAAP financial measures that other companies use.

Agenda 3 Chuck A. Williams Chairman & CEO Kevin J. Comps President Bradley T. Howes Executive Vice President and CFO • Formal Remarks • Chuck Williams, Chairman & CEO • Kevin Comps, President • Bradley Howes, CFO • Question and Answer Session

Delivering Strong Performance Despite Economic Volatility 4 $18.0 $20.1 $18.4 $21.7 $21.3 $0 $5 $10 $15 $20 $25 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 M ill io n s Net Income available to common stockholders $14.67 $15.23 $15.74 $16.35 $16.94 $13.50 $14.00 $14.50 $15.00 $15.50 $16.00 $16.50 $17.00 $17.50 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Tangible book value per share (1) (1) Non-GAAP financial measure. A reconciliation to the comparable GAAP measurement is provided in the Appendix of this slide presentation.

Second Quarter 2026 Highlights (compared to prior quarter) 5 Earnings • Net income to common stockholders of $21.3 million • $0.60 per diluted share Performance Ratios • Return on average assets (annualized) of 1.18% • Return on average equity (annualized) of 14.36% • Return on average tangible common equity (annualized) (1) of 14.69% • Efficiency ratio (2) of 54.76% Portfolio Growth • Mortgage Purchase Program (“MPP”) growth of $77.3 million, or 8% annualized, net of balances participated to other institutions totaling $489.0 million at quarter end • All-in-One (3) growth of $36.7 million, or 19% annualized Deposit Growth • Total deposit growth of $231.9 million, or 19% annualized • Wholesale funding ratio stable at 63.09%, from 62.94% in prior quarter (1) Non-GAAP financial measure. A reconciliation to the comparable GAAP measurement is provided in the Appendix of this slide presentation. (2) Efficiency ratio is defined as non-interest expense divided by the sum of net interest income and non-interest income. (3) First-lien home equity lines which are tied seamlessly to a demand deposit sweep account (we commonly refer to these loans as “All-in-One” or “AIO” loans). • Equity to assets of 8.12% • Book value per share of $17.69 • Tangible book value per share of $16.94 (1), annualized growth of 14.4% Capital

6 Mortgage Purchase Program (MPP) Period Ending Outstanding MPP Balances($ in millions) $1,671.8 $1,710.8 $2,468.2 $2,891.7 $3,364.9 $3,424.9 $3,860.7 $3,937.9 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Second Quarter 2026 Highlights Total loans funded (purchased) $12.8 billion Total loans sold $12.6 billion # of new loans purchased 28,087 Average monthly participations $307.7 million Loan yield 6.35% Fee-adjusted yield (1) 6.59% (1) Fee-adjusted yield calculated as interest income plus all fees, including from participations, divided by average balances held by Northpointe. Program Overview  National mortgage purchase program (warehouse lending)  Purchase program available to Mortgage Bankers nationwide  Aggregated purchased loans are typically sold into the marketplace within 30 days  Proprietary tech stack  Highly efficient, scalable business model with compelling returns

 National distributed retail mortgage franchise  Consumer direct and traditional retail, with 121 mortgage originators across 25 states  Best-in-class product offerings nationwide  Approved Fannie Mae, Freddie Mac and Ginnie Mae seller in 50 states and D.C.  Vast majority of production is sold in the secondary market  Specialize in first-lien home equity lines tied seamlessly to demand deposit sweep account $16.4M Net gain on sale of loans (1) $670.6M Residential mortgage originations 7.26% AIO loan yield (2) Residential Lending Q2 2026 Highlights $36.7M AIO loan growth  Focus on servicing first-lien home equity lines tied seamlessly to demand deposit sweep account  Rating agency (Fitch) approved servicer for securitized loans  Approved servicer and sub-servicer for Fannie Mae, Freddie Mac, FHLB, Ginnie Mae, and various private investors  Approved to accept and hold custodial deposits $5.5B UPB of loans serviced for others $2.4M Loan servicing fees (4) Specialized Mortgage Servicing Q2 2026 Highlights  Direct to customer deposit platform and product suite  Digital delivery of retail deposit banking nationwide  Single-branch operation in Grand Rapids, Michigan  Simple online account opening experience with user-friendly features  Deposit customer focus tied to Balance Sheet funding strategy $5.2B Total deposits $261.5M Non-interest bearing demand Digital Deposit Banking Q2 2026 Highlights $27.0K Average retail depositor balance 7.15% Liquidity ratio (3) 16.2K # of loans serviced 7 Retail Banking 1 2 3 (1) Excludes increases or decreases related to change in fair value of loans held for investment and lender risk account (“LRA”), see slide 14 for more detail. (2) Loan yield excludes loan fees, including origination fees, discount fees, processing fees, and new account fees. (3) Liquidity ratio defined as cash and cash equivalents divided by total assets. (4) Excludes gain or loss from change in fair value of MSR. (5) Includes custodial deposits for both loans we service and loans we do not service. $492.9M Custodial deposits (5)

Allowance for Credit Losses (“ACL”) and Net Charge-off Ratio 8 Asset Quality Second Quarter 2026 Metrics ACL to loans held for investment 0.15% ACL to non-accrual loans 11.80% ACL to non-accrual loans (excl. guaranteed) (1) 17.19% NPAs to total assets 1.15% NPAs to total assets (excl. guaranteed) (1) 0.80% Net charge-offs $0.5 million ($ in millions) Overview  Strong underwriting and diligent risk controls with low history of losses  High-quality, seasoned residential mortgage loan portfolio  Average LTV (with insurance) of 71%, FICO of 746, and DTI of 35%  Sophisticated and granular loan-level allowance methodology  Credit quality remains stable  Non-performing assets decreased by $4.0 million from prior quarter  Net charge-offs remain historically low at 3 bps (annualized) of average loans held for investment $12.4 $12.3 $10.4 $9.7 $9.4 0.04% 0.07% 0.08% 0.02% 0.03% 0.00% 0.20% 0.40% 0.60% 0.80% $0.0 $2.0 $4.0 $6.0 $8.0 $10.0 $12.0 $14.0 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 ACL Annualized net charge-offs to average loans held for investment (1) Ratio excludes non-performing loans wholly or partially insured by the U.S. Government.

9 Summary Income Statement ($ in 000s, except per share data) Q2 2026 Q1 2026 Q2 2025 Interest income $ 107,038 $ 101,503 $ 93,093 Interest expense 64,616 60,230 56,573 Net interest income before provision 42,422 41,273 36,520 Provision (benefit) for credit losses and unfunded commitments 210 (445) 583 Net interest income after provision 42,212 41,718 35,937 Non-interest income 21,894 22,145 22,438 Non-interest expense 35,219 34,435 31,722 Income before income taxes 28,887 29,428 26,653 Income tax expense 7,141 7,274 6,309 Net Income 21,746 22,154 20,344 Preferred stock dividends 453 453 2,296 Net Income Available To Common Stockholders $ 21,293 $ 21,701 $ 18,048 Basic Earnings Per Share $ 0.61 $ 0.63 $ 0.52 Diluted Earnings Per Share $ 0.60 $ 0.62 $ 0.51 For the Quarter Ended

10 Summary Balance Sheet (1) Non-GAAP financial measure. A reconciliation to the comparable GAAP measurement is provided in the Appendix of this slide presentation. (2) Liquidity ratio defined as cash and cash equivalents divided by total assets. (3) Wholesale funding ratio defined as brokered CDs plus borrowings divided by total deposits plus borrowings. ($ in 000s, except per share data) Q2 2026 Q1 2026 Q2 2025 ASSETS: Total Assets $ 7,529,951 $ 7,395,877 $ 6,430,894 Cash and cash equivalents 538,359 487,617 415,659 Securities 82,312 86,332 79,688 Loans held for sale, at fair value 311,991 297,243 331,199 Gross loans held for investment 6,480,158 6,411,197 5,496,806 Allowance for credit losses (9,436) (9,700) (12,375) Net loans held for investment 6,470,722 6,401,497 5,484,431 Mortgage servicing rights 23,088 20,608 16,388 Other assets 103,479 102,580 103,529 LIABILITIES AND EQUITY: Total Liabilities $ 6,918,303 $ 6,805,884 $ 5,826,617 Deposits 5,233,315 5,001,417 4,474,071 Borrowings 1,512,500 1,631,496 1,274,929 Subordinated debentures 111,955 111,872 24,181 Subordinated debentures issued through trusts 5,000 5,000 5,000 Other liabilities 55,533 56,099 48,436 Total Stockholders' Equity $ 611,648 $ 589,993 $ 604,277 RATIOS AND PER SHARE METRICS: Equity / assets 8.12% 7.98% 9.40% Tangible common equity / tangible assets (1) 7.78% 7.63% 7.84% Loans / deposits 123.83% 128.19% 122.86% Liquidity ratio (2) 7.15% 6.59% 6.46% Wholesale funding ratio (3) 63.09% 62.94% 70.71% Book value $ 17.69 $ 17.10 $ 17.58 Tangible book value (1) $ 16.94 $ 16.35 $ 14.67 For the Quarter Ended

11 Estimated Regulatory Capital Ratios 11.26% 11.10% 11.10% 9.54% 0.00% 2.00% 4.00% 6.00% 8.00% 10.00% 12.00% 14.00% Total Capital (to Risk Weighted Assets) Tier 1 (Core) Capital (to Risk Weighted Assets) CET 1 Capital Ratio (to Risk Weighted Assets) Tier 1 Capital (to Average Assets) Northpointe Bank Regulatory Capital Ratios – At June 30, 2026 (1) (1) Regulatory capital ratios as of June 30, 2026 are estimates, pending completion and filing of the Bank's regulatory reports. 11.62% 9.66% 9.19% 8.30% 0.00% 2.00% 4.00% 6.00% 8.00% 10.00% 12.00% 14.00% Total Capital (to Risk Weighted Assets) Tier 1 (Core) Capital (to Risk Weighted Assets) CET 1 Capital Ratio (to Risk Weighted Assets) Tier 1 Capital (to Average Assets) Northpointe Bancshares, Inc. Regulatory Capital Ratios – At June 30, 2026 (1)

APPENDIX

13 Loan and Deposit Details Loan Portfolio Composition $6.8 billion at June 30, 2026 Deposit Composition $5.2 billion at June 30, 2026 Construction, 0.12% All-in-One (AIO), 11.74% Other Consumer/Home Equity, 0.71% Residential Mortgage, 24.56% Commercial, 0.30% MPP, 57.98% Total Loans Held for Sale (HFS), 4.59% Noninterest- bearing demand, 5.00% Interest- bearing demand, 25.98% Savings & money market, 9.06% Brokered time deposits, 52.42% Other time deposits, 7.54%

14 Fair Value Trends and Net Gain on Sale of Loans Reconciliation (Dollars in thousands) Fair Value Asset Income Statement Category Q2 2026 Q1 2026 Q2 2025 Mortgage servicing rights (MSR) Loan servicing fees (120)$ 1,322$ (302)$ Lender risk account (LRA) Net gain on sale of loans 460 (308) 497 Loans held for investment (HFI) with fair value accounting Net gain on sale of loans 197 (913) 1,315 Increase (Decrease) in Fair Value Recorded During Quarter (Dollars in thousands) Q2 2026 Q1 2026 Q2 2025 Total net gain on sale of loans 17,046$ 16,547$ 19,351$ Exclude: (increases) decreases in fair value of loans HFI and LRA (657) 1,221 (1,812) Total net gain on sale of loans, excluding LRA / HFI fair value adjustments 16,389$ 17,768$ 17,539$

15 Non-GAAP Reconciliation

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Title of a 12(b) registered security.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

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Name of the Exchange on which a security is registered.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

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Trading symbol of an instrument as listed on an exchange.

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

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