Form 8-K

8-K — NORTHPOINTE BANCSHARES INC

Accession: 0001336706-26-000035

Filed: 2026-04-21

Period: 2026-04-21

CIK: 0001336706

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Documents

8-K — npb-20260421.htm (Primary)

EX-99.1 (npb-202603x8kxexx991.htm)

EX-99.2 (q12026earningscallslides.htm)

GRAPHIC (northpointebancshareslogo-a.jpg)

GRAPHIC (q12026earningscallslides001.jpg)

GRAPHIC (q12026earningscallslides002.jpg)

GRAPHIC (q12026earningscallslides003.jpg)

GRAPHIC (q12026earningscallslides004.jpg)

GRAPHIC (q12026earningscallslides005.jpg)

GRAPHIC (q12026earningscallslides006.jpg)

GRAPHIC (q12026earningscallslides007.jpg)

GRAPHIC (q12026earningscallslides008.jpg)

GRAPHIC (q12026earningscallslides009.jpg)

GRAPHIC (q12026earningscallslides010.jpg)

GRAPHIC (q12026earningscallslides011.jpg)

GRAPHIC (q12026earningscallslides012.jpg)

GRAPHIC (q12026earningscallslides013.jpg)

GRAPHIC (q12026earningscallslides014.jpg)

GRAPHIC (q12026earningscallslides015.jpg)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: npb-20260421.htm · Sequence: 1

npb-20260421

FALSE000133670600013367062026-04-212026-04-210001336706exch:XNAS2026-04-212026-04-21

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): April 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 April 21, 2026, Northpointe Bancshares, Inc. (the “Company”) issued a press release announcing its financial results for the quarter ended March 31, 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 April 21, 2026, the Company made available supplemental financial information containing additional information about the Company’s financial results for the quarter ended March 31, 2026. A copy of the supplemental financial information is furnished herewith as Exhibit 99.2 and is incorporated herein by reference.

On April 22, 2026, the Company will host a conference call to discuss financial results for the quarter ended March 31, 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 March 31, 2026

99.2

Supplemental financial information for the quarter ended March 31, 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: April 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-202603x8kxexx991.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 FIRST QUARTER 2026 RESULTS

GRAND RAPIDS, MICHIGAN, April 21, 2026 – Northpointe Bancshares, Inc. (NYSE: NPB) ("Northpointe" or the "Company"), holding company for Northpointe Bank, today reported net income to common stockholders of $21.7 million, or $0.62 per diluted share, for the first quarter of 2026. This compares to $18.4 million, or $0.52 per diluted share, for the fourth quarter of 2025, and $15.0 million, or $0.49 per diluted share, for the first quarter of 2025.

"We had a solid start to 2026, highlighted by robust growth and continued market share gains in our Mortgage Purchase Program business, along with strong performance in our residential lending channel," remarked Chuck Williams, Chairman and Chief Executive Officer. "We have continued to deliver consistent financial performance despite the macroeconomic uncertainty and volatility, which is a testament to our resilient business model and exceptional team members. As we look ahead, we believe we are well positioned to continue to support our customers while delivering strong shareholder returns across a wide range of operating environments."

First Quarter 2026 Highlights

•Net income to common stockholders of $21.7 million, up $3.3 million from the prior quarter.

•Results for the fourth quarter of 2025 included $3.2 million in additional expense, recorded in preferred stock dividends, from unamortized deal issuance costs related to the redemption of Series A preferred stock.

•Delivered strong financial performance for the quarter, including:

•Return on average equity of 15.32%, compared to 14.82% in the prior quarter.

•Return on average tangible common equity of 15.71%, compared to 13.51% in the prior quarter (see non-GAAP reconciliation).

•Return on average assets of 1.28%, compared to 1.34% in the prior quarter.

•Efficiency ratio of 54.30%, compared to 51.86% in the prior quarter.

•Continued to grow the balance sheet, including:

•Mortgage Purchase Program ("MPP") balances increased by $435.7 million, or 51% annualized, from the prior quarter. This is net of $412.7 million in balances

Northpointe Bancshares, Inc. Reports First Quarter 2026 Results

April 21, 2026

2 of 17

participated to other institutions at period end, which compares to $457.0 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 $28.0 million, or 15% annualized.

•Total deposits increased by $131.8 million, or 11% annualized.

•Improvement in asset quality:

•Net charge-offs decreased by $917,000 from the prior quarter.

•Non-performing assets decreased by $2.0 million from the prior quarter.

•Loans past due 31-89 days decreased by $6.5 million from the prior quarter.

•Wholesale funding ratio decreased to 62.94%, from 64.60% in the prior quarter.

•Completed private placement of $20.0 million in aggregate principal amount of fixed-to-floating rate subordinated notes.

•The Company's Board of Directors declared a regular quarterly cash dividend of $0.025 per share, payable on May 5, 2026, to stockholders of record as of April 15, 2026.

Net Interest Income

Net interest income before provision was $41.3 million for the first quarter of 2026, a decrease of $2.2 million compared to the fourth quarter of 2025. The linked quarter decrease reflects a 9 basis point decrease in net interest margin partially offset by a $47.6 million increase in average interest-earning assets. As compared to the first quarter of 2025, net interest income before provision increased by $10.9 million, which was driven primarily by a 7 basis point improvement in net interest margin and a $1.67 billion increase in average interest-earning assets.

Net interest margin was 2.42% for the first quarter of 2026, a decrease of 9 basis points compared to 2.51% in the fourth quarter of 2025 and an increase of 7 basis points compared to 2.35% in the first quarter of 2025. The linked quarter decrease was driven primarily by lower average yields on loans, which outpaced the decline in average rate paid on interest-bearing liabilities. The increase compared to the prior year quarter was driven primarily by lower average rates paid on interest-bearing deposits.

Average interest-earning assets at March 31, 2026 increased by $47.6 million from December 31, 2025 and by $1.67 billion compared to March 31, 2025. The increases from both comparable periods reflect the strong growth in MPP and AIO balances, which are the only two portfolios the Company is strategically growing, partially offset by continued run-off in the remainder of the loan portfolio.

Provision (Benefit) for Credit Losses

The Company recorded a total provision (benefit) for credit losses (including both loans and unfunded commitments) of $445,000 in the first quarter of 2026, compared to a provision (benefit) of $608,000 in the fourth quarter of 2025 and provision expense of $1.3 million in the first 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.

Northpointe Bancshares, Inc. Reports First Quarter 2026 Results

April 21, 2026

3 of 17

The Company’s allowance for credit losses was $9.7 million at March 31, 2026, $10.4 million at December 31, 2025 and $12.3 million at March 31, 2025. The allowance for credit losses represented 0.15% of loans held for investment at March 31, 2026, 0.17% of loans held for investment at December 31, 2025 and 0.24% of loans held for investment at March 31, 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 mortgage, construction, and other consumer / home equity loans, which carry higher average loss rates. In total, at March 31, 2026, residential mortgage, construction, and other consumer / home equity loans have decreased by $74.0 million from December 31, 2025 and by $245.4 million from March 31, 2025.

The total provision (benefit) for credit losses in the first quarter of 2026 reflected net charge-offs of $266,000, and a $735,000 decrease 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 (benefit) in the prior quarter reflected net charge-offs of $1.2 million, and a $2.6 million decrease in allowance for credit losses, which was primarily attributable to an improvement in the economic forecast. The total provision expense for credit losses in the prior year quarter reflected net charge-offs of $260,000, and a $1.1 million increase in allowance for credit losses primarily attributable to continued growth in the portfolio and credit migration trends.

Non-interest Income

Non-interest income was $22.1 million for the first quarter of 2026, an increase of $505,000 compared to the fourth quarter of 2025 and a decrease of $728,000 compared to the first quarter of 2025.

MPP fees, which are driven by total loans funded and participation balances, were $2.0 million for the first quarter of 2026, a slight decrease compared to the fourth quarter of 2025 and an increase of $829,000 compared to the first quarter of 2025. The increase compared to the prior year quarter was driven primarily by higher levels of funded loans, along with higher levels of participations, in the MPP business.

Loan servicing fees were $3.5 million for the first quarter of 2026, an increase of $2.5 million compared to the fourth quarter of 2025 and an increase of $2.6 million compared to the first quarter of 2025. The increases 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 $16.5 million for the first quarter of 2026, compared to $18.3 million for the fourth quarter of 2025 and $18.6 million for the first 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 first quarter of 2026 included a decrease of $1.2 million 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 $17.8 million, up $1.2 million on a comparative basis from the fourth quarter of 2025 and up $2.9 million on a comparative basis from the first quarter of 2025. The increases from both comparable periods reflect higher levels of residential mortgage interest rate lock commitments.

Other non-interest income (loss) was a net loss of $184,000 for the first quarter of 2026, compared to a net loss of $73,000 for the fourth quarter of 2025 and a gain of $2.0 million for the first quarter of

Northpointe Bancshares, Inc. Reports First Quarter 2026 Results

April 21, 2026

4 of 17

2025. The linked quarter decrease was driven primarily by higher net valuation losses on other real estate owned. The decrease compared to the prior year quarter was driven primarily a $2.0 million gain recognized on debt extinguishment in the first quarter of 2025. There was no such gain in the first quarter of 2026.

Non-interest Expense

Non-interest expense was $34.4 million for the first quarter of 2026, an increase of $658,000 compared to the fourth quarter of 2025 and an increase of $5.1 million compared to the first quarter of 2025. The linked quarter increase was driven primarily by higher salaries and benefits and the increase compared to the prior year quarter was driven primarily by higher salaries and benefits expense.

Salaries and benefits expense increased by $1.2 million on a linked quarter basis, and increased by $3.9 million compared to the first quarter of 2025. The linked quarter increase was driven primarily by higher bonus and incentive compensation and the increase compared to the prior year quarter was driven primarily by higher variable compensation on both the MPP business and mortgage production, along with higher bonus and incentive expense and employee benefits.

Other taxes and insurance decreased by $372,000 on a linked quarter basis, and increased by $450,000 compared to the first 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.

Other non-interest expense decreased by $116,000 on a linked quarter basis, and increased by $523,000 compared to the first quarter of 2025. The increase compared to the prior year quarter was driven primarily by additional expenses associated with the Company's private label outsourcing of its non-specialized mortgage servicing to a scaled sub-servicer.

Taxes

Income tax expense for the first quarter of 2026 was $7.3 million, compared to $8.3 million for the fourth quarter of 2025 and $5.3 million for the first quarter of 2025. The Company's effective tax rate was 24.72% for the first quarter of 2026, compared to 26.04% for the fourth quarter of 2025 and 23.67% for the first quarter of 2025. The effective tax rate for the first quarter of 2026 and fourth quarter of 2025 includes additional income tax expense related to non-deductible compensation tax rules for publicly traded companies.

Balance Sheet Highlights

Total assets were $7.40 billion at March 31, 2026, representing an increase of $373.1 million compared to December 31, 2025 and an increase of $1.54 billion compared to March 31, 2025. The increases for both comparable periods were driven primarily by growth in loans.

Gross loans held for investment were $6.41 billion at March 31, 2026, an increase of $389.7 million, or 26% annualized, compared to December 31, 2025 and an increase of $1.26 billion, or 25%, compared to March 31, 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 March 31, 2026, virtually all of the loan portfolio was comprised of loans collateralized by residential property.

Northpointe Bancshares, Inc. Reports First Quarter 2026 Results

April 21, 2026

5 of 17

Loans held for sale totaled $297.2 million at March 31, 2026, compared to $309.2 million at December 31, 2025 and $207.6 million at March 31, 2025, and reflect the timing of closing saleable residential mortgage originations.

Total deposits were $5.00 billion at March 31, 2026, an increase of $131.8 million, or 11% annualized, compared to December 31, 2025 and an increase of $1.18 billion, or 31%, compared to March 31, 2025. The linked quarter increase was driven primarily by a $267.4 million increase in interest bearing demand deposits, reflecting normal seasonality in custodial deposit balances, as well as higher levels of brokered network deposits. As compared to March 31, 2025, the increase was driven primarily by a higher level of brokered CDs, and growth in the Company's diversified digital deposit banking platform including two new deposit relationships added during 2025.

Total borrowings were $1.63 billion at March 31, 2026, an increase of $192.0 million compared to December 31, 2025 and an increase of $260.3 million compared to March 31, 2025. The increases for both comparable periods reflect the Company's usage of short-term lines of credit to meet liquidity needs.

Subordinated debentures were $111.9 million at March 31, 2026, an increase of $20.0 million compared to December 31, 2025, reflecting the new Subordinated Notes issued during the first quarter of 2026 (described above). As compared to March 31, 2025, subordinated debentures increased by $87.7 million, reflecting both the Subordinated Notes issued during the first quarter of 2026 and the $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 $266,000, or 2 basis points annualized as a percentage of average loans, for the first quarter of 2026. This compares to $1.2 million, or 8 basis points annualized as a percentage of average loans, for the fourth quarter of 2025, and $260,000, or 2 basis points annualized as a percentage of average loans, for the first quarter of 2025. The higher level of net charge-offs in the linked quarter was largely attributable to losses on several mortgage and construction loans.

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 $90.7 million at March 31, 2026 ($63.4 million excluding guaranteed loans), $92.7 million at December 31, 2025 ($64.4 million excluding guaranteed loans) and $87.8 million at March 31, 2025 ($57.7 million excluding guaranteed loans). Non-performing assets represented 1.23% of total assets at March 31, 2026 (0.86% excluding guaranteed loans), 1.32% at December 31, 2025 (0.92% excluding guaranteed loans) and 1.50% at March 31, 2025 (0.99% excluding guaranteed loans).

Capital

At March 31, 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 March 31, 2026 are estimates, pending completion and filing of the Bank's regulatory reports.

Earnings Presentation and Conference Call

Northpointe will host its first quarter of 2026 earnings conference call on April 22, 2026 at 10:00 a.m. E.T. During the call, management will discuss the first quarter of 2026 financial results and provide an

Northpointe Bancshares, Inc. Reports First Quarter 2026 Results

April 21, 2026

6 of 17

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, 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

Northpointe Bancshares, Inc. Reports First Quarter 2026 Results

April 21, 2026

7 of 17

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 the potential for retaliatory actions by governments, market participants or clients based on diverging perspectives or otherwise and, separately, the recent shutdown of the U.S. federal government); 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 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.

Northpointe Bancshares, Inc. Reports First Quarter 2026 Results

April 21, 2026

8 of 17

NORTHPOINTE BANCSHARES, INC.

(unaudited, dollars in thousands except per share data)

Consolidated Statements of Income

Three Months Ended

Mar 31,

2026 Dec 31,

2025 Mar 31,

2025

Interest income

Loans - including fees $ 94,913  $ 98,862  $ 72,071

Investment securities - taxable 57  64  154

Federal Home Loan Bank ("FHLB") stock - taxable 1,745  1,726  1,629

Interest bearing deposits 4,788  5,471  5,296

Total interest income 101,503  106,123  79,150

Interest expense

Deposits 44,455  48,678  36,310

Subordinated debentures 2,102  894  887

Borrowings 13,673  13,054  11,564

Total interest expense 60,230  62,626  48,761

Net interest income 41,273  43,497  30,389

Provision (benefit) for credit losses (469) (632) 1,385

Provision (benefit) for unfunded commitments 24  24  (90)

Net interest income after provision (benefit) for credit losses 41,718  44,105  29,094

Non-Interest Income

Service charges on deposits and fees 264  255  180

Loan servicing fees 3,548  1,082  995

MPP fees 1,970  2,070  1,141

Net gain on sale of loans 16,547  18,306  18,587

Other non-interest income (loss) (184) (73) 1,970

Total Non-Interest Income 22,145  21,640  22,873

Non-Interest Expense

Salaries and benefits 24,353  23,159  20,443

Occupancy and equipment 820  747  972

Data processing expense 2,349  2,275  2,107

Professional fees 1,318  1,513  1,228

Other taxes and insurance 2,237  2,609  1,787

Other non-interest expense 3,358  3,474  2,835

Total Non-Interest Expense 34,435  33,777  29,372

Income before income taxes 29,428  31,968  22,595

Income tax expense 7,274  8,325  5,348

Net Income $ 22,154  $ 23,643  $ 17,247

Preferred stock dividends 453  5,247  2,206

Net Income Available To Common Stockholders $ 21,701  $ 18,396  $ 15,041

Basic Earnings Per Share $ 0.63  $ 0.53  $ 0.50

Diluted Earnings Per Share $ 0.62  $ 0.52  $ 0.49

Weighted Average Shares Outstanding 34,702,246 34,619,175 29,871,001

Diluted Weighted Average Shares Outstanding 35,260,806 35,092,153 30,448,848

Northpointe Bancshares, Inc. Reports First Quarter 2026 Results

April 21, 2026

9 of 17

NORTHPOINTE BANCSHARES, INC.

(unaudited, dollars in thousands except per share data)

Consolidated Balance Sheets

Mar 31,

2026 Dec 31,

2025 Mar 31,

2025

Assets

Cash and cash equivalents $ 487,617  $ 496,459  $ 321,499

Equity securities 1,339  1,347  1,325

Debt securities available for sale 4,884  4,738  8,594

FHLB stock 80,109  80,109  69,574

Loans held for sale ("HFS"), at fair value 297,243  309,213  207,633

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

6,411,197  6,021,527  5,147,170

Allowance for credit losses (9,700) (10,435) (12,315)

Net loans 6,401,497  6,011,092  5,134,855

Mortgage servicing rights 20,608  17,048  15,492

Intangible assets, net 1,367  1,513  1,953

Premises and equipment 27,394  27,571  26,952

Other assets 73,819  73,735  71,778

Total Assets $ 7,395,877  $ 7,022,825  $ 5,859,655

Liabilities

Non-interest-bearing $ 277,239  $ 275,974  $ 232,571

Interest-bearing 4,724,178  4,593,693  3,590,051

Total Deposits 5,001,417  4,869,667  3,822,622

Borrowings 1,631,496  1,439,500  1,371,158

Subordinated debentures 111,872  91,915  24,159

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

Deferred tax liability 4,110  3,786  2,930

Other liabilities 51,989  43,915  47,264

Total Liabilities 6,805,884  6,453,783  5,273,133

Stockholders' Equity

Preferred stock, Common stock and Additional paid in capital 204,875  204,875  276,465

Retained earnings 385,206  364,366  310,367

Accumulated other comprehensive loss (88) (199) (310)

Total Stockholders' Equity 589,993  569,042  586,522

Total Liabilities and Stockholders' Equity $ 7,395,877  $ 7,022,825  $ 5,859,655

(1) Includes $173.9 million, $178.6 million and $174.3 million of loans carried at fair value at March 31, 2026, December 31, 2025 and March 31, 2025, respectively.

Northpointe Bancshares, Inc. Reports First Quarter 2026 Results

April 21, 2026

10 of 17

NORTHPOINTE BANCSHARES, INC.

(unaudited, dollars in thousands except per share data)

Selected Financial Highlights

Three Months Ended

Mar 31,

2026 Dec 31,

2025 Mar 31,

2025

PER COMMON SHARE

Diluted earnings per share $ 0.62  $ 0.52  $ 0.49

Book value $ 17.10  $ 16.50  $ 17.09

Tangible book value (1)

$ 16.35  $ 15.74  $ 14.17

PERFORMANCE RATIOS

Return on average assets (annualized) 1.28  % 1.34  % 1.31  %

Return on average equity (annualized) 15.32  % 14.82  % 13.17  %

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

15.71  % 13.51  % 14.32  %

Net interest margin 2.42  % 2.51  % 2.35  %

Efficiency ratio (2)

54.30  % 51.86  % 55.15  %

ASSET QUALITY AND RATIOS

Allowance for credit losses to loans HFI 0.15  % 0.17  % 0.24  %

Allowance for credit losses to loans HFI (excluding fair value loans) 0.16  % 0.18  % 0.25  %

Allowance for credit losses to non-accrual loans 12.07  % 12.72  % 16.05  %

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

17.67  % 18.53  % 26.07  %

Net charge-offs $ 266  $ 1,183  $ 260

Annualized net charge-offs to average loans 0.02  % 0.08  % 0.02  %

Non-performing assets to total assets 1.23  % 1.32  % 1.50  %

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

0.86  % 0.92  % 0.99  %

Non-performing loans to total gross loans 1.30  % 1.44  % 1.62  %

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

0.90  % 0.99  % 1.07  %

SELECTED OTHER INFORMATION

Equity / assets 7.98  % 8.10  % 10.01  %

Tangible common equity / tangible assets (1)

7.63  % 7.73  % 8.30  %

Loans / deposits (4)

128.19  % 123.65  % 134.65  %

Liquidity ratio (5)

6.59  % 7.07  % 5.49  %

Wholesale funding ratio (6)

62.94  % 64.60  % 66.59  %

SELECTED MORTGAGE DATA

Residential mortgage originations $ 693,674 $ 762,042 $ 485,505

Residential mortgage interest rate lock commitments $ 901,682 $ 808,323 $ 729,436

Residential mortgage applications $ 1,073,628 $ 1,073,480 $ 1,073,737

MPP total loans funded $ 11,163,102 $ 11,370,184 $ 6,744,117

MPP balances participated (period end) $ 412,693 $ 457,030 $ 8,428

Total loans serviced for others (UPB) (7)

$ 5,231,083 $ 4,938,428 $ 3,713,874

Loans serviced for others (UPB) $ 1,948,505 $ 1,840,948 $ 1,491,635

Loans sub-serviced for others (UPB) $ 3,282,578 $ 3,097,480 $ 2,222,239

(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 First Quarter 2026 Results

April 21, 2026

11 of 17

Summary Average Balance Sheet

(Dollars in thousands)

Three Months Ended Three Months Ended Three Months Ended

March 31, 2026 December 31, 2025 March 31, 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)

$ 6,297,404  $ 94,913  6.11  % $ 6,226,182  $ 98,862  6.30  % $ 4,672,435  $ 72,071  6.26  %

Securities, AFS (3)

6,199  57  3.73  % 6,114  64  4.15  % 9,909  154  6.30  %

Securities, FHLB Stock 80,109  1,745  8.83  % 80,109  1,726  8.55  % 69,574  1,629  9.50  %

Interest bearing deposits 527,962  4,788  3.68  % 551,706  5,471  3.93  % 487,180  5,296  4.41  %

Total Interest Earning Assets 6,911,674  101,503  5.96  % 6,864,111  106,123  6.13  % 5,239,098  79,150  6.13  %

Noninterest Earning Assets (4)

110,236  114,353  108,804

Total Assets $ 7,021,910  $ 6,978,464  $ 5,347,902

Liabilities

Deposits:

Transaction accounts $ 1,121,322  $ 10,912  3.95  % $ 943,118  $ 9,923  4.17  % $ 739,709  $ 7,990  4.38  %

Savings & money market 534,564  4,614  3.50  % 525,180  4,849  3.66  % 337,124  3,250  3.91  %

Time 2,939,195  28,929  3.99  % 3,191,539  33,906  4.21  % 2,254,388  25,070  4.51  %

Total interest-bearing deposits 4,595,081  44,455  3.92  % 4,659,837  48,678  4.14  % 3,331,221  36,310  4.42  %

Sub Debt 101,378  2,102  8.41  % 46,349  894  7.65  % 29,142  887  12.34  %

Borrowings 1,401,300  13,673  3.96  % 1,297,421  13,054  3.99  % 1,210,086  11,564  3.88  %

Total interest-bearing liabilities 6,097,759  60,230  4.01  % 6,003,607  62,626  4.14  % 4,570,449  48,761  4.33  %

Noninterest-bearing deposits 292,437  289,448  207,166

Other noninterest-bearing liabilities 45,273  52,564  39,128

Total noninterest-bearing liabilities 337,710  342,012  246,294

Equity 586,441  632,845  531,159

$ 7,021,910  $ 6,978,464  $ 5,347,902

Net Interest Income $ 41,273  $ 43,497  $ 30,389

Net Interest Spread (5)

1.95  % 2.00  % 1.80  %

Net Interest Margin (6)

2.42  % 2.51  % 2.35  %

(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 $74,000, $30,000, and $40,000 for the quarters ended March 31, 2026, December 31, 2025 and March 31, 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 First Quarter 2026 Results

April 21, 2026

12 of 17

End of Period Loan Balances

(Dollars in thousands) Mar 31,

2026 Dec 31,

2025 Mar 31,

2025

Residential:

Construction $ 11,008  $ 17,430  $ 40,995

All-in-One (AIO) 760,550  732,583  643,180

Other Consumer/Home Equity 50,208  55,550  94,060

Residential Mortgage (1)

1,728,291  1,775,507  1,899,823

Commercial 477  15,521  900

MPP 3,860,663  3,424,936  2,468,212

Total Loans HFI 6,411,197  6,021,527  5,147,170

Total Loans HFS 297,243  309,213  207,633

Total Gross Loans (HFI and HFS) $ 6,708,440  $ 6,330,740  $ 5,354,803

(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) Mar 31,

2026 Dec 31,

2025 Mar 31,

2025

Noninterest-bearing demand $ 277,239  $ 275,974  $ 232,571

Interest-bearing demand 1,299,693  1,032,333  756,160

Savings & money market 510,807  555,255  335,473

Brokered time deposits 2,543,511  2,636,443  2,087,330

Other time deposits 370,167  369,662  411,088

Total deposits $ 5,001,417  $ 4,869,667  $ 3,822,622

Loan Servicing Fees Three Months Ended

(Dollars in thousands) Mar 31,

2026 Dec 31,

2025 Mar 31,

2025

Fees on servicing $ 2,226  $ 2,183  $ 1,702

Change in fair value of MSRs (1)

1,322  (1,101) (707)

Total loan servicing fees $ 3,548  $ 1,082  $ 995

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

Northpointe Bancshares, Inc. Reports First Quarter 2026 Results

April 21, 2026

13 of 17

Net Gain on Sale of Loans Three Months Ended

(Dollars in thousands) Mar 31,

2026 Dec 31,

2025 Mar 31,

2025

Capitalized MSRs $ 2,238  $ 1,385  $ 1,066

Change in fair value of loans (1)

(3,524) 1,294  4,678

Gain (loss) on sale of portfolio loans (2)

—  —  —

Gain on sale of loans, net (3)

17,833  15,627  12,843

Total net gain on sale of loans $ 16,547  $ 18,306  $ 18,587

Total net gain on sale of loans $ 16,547  $ 18,306  $ 18,587

Exclude: change in fair value of loans HFI and LRA 1,221  (1,694) (3,697)

Exclude: (Gain) loss on sale of portfolio loans —  —  —

Total net gain on sale of loans, excluding portfolio sales and LRA / HFI fair value adjustments $ 17,768  $ 16,612  $ 14,890

(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

(Dollars in thousands) Mar 31,

2026 Dec 31,

2025 Mar 31,

2025

Salaries and other compensation $ 10,061  $ 9,759  $ 8,607

Salary deferral from loan origination (1,061) (1,218) (969)

Bonus and incentive compensation 4,600  3,364  3,642

Mortgage production - variable compensation 7,041  7,803  6,059

Employee benefits 3,712  3,451  3,104

Total salaries and employee benefits $ 24,353  $ 23,159  $ 20,443

Northpointe Bancshares, Inc. Reports First Quarter 2026 Results

April 21, 2026

14 of 17

Non-performing Assets

(Dollars in thousands) Mar 31,

2026 Dec 31,

2025 Mar 31,

2025

Unguaranteed $ 54,902 $ 56,306 $ 47,239

Wholly or partially guaranteed 25,460 25,708 29,492

Total non-accrual loans $ 80,362 $ 82,014 $ 76,731

Unguaranteed $ 5,146 $ 6,397 $ 9,612

Wholly or partially guaranteed 1,852 2,554 605

Total past due loans (90 days or more and still accruing) $ 6,998 $ 8,951 $ 10,217

Unguaranteed $ 60,048 $ 62,703 $ 56,851

Wholly or partially guaranteed 27,312 28,262 30,097

Total non-performing loans $ 87,360 $ 90,965 $ 86,948

Other real estate owned $ 3,355 $ 1,720 $ 873

Total non-performing assets $ 90,715 $ 92,685 $ 87,821

Total non-performing assets (excl wholly or partially guaranteed) $ 63,403 $ 64,423 $ 57,724

Loans past due 31-89 days $ 34,639 $ 41,129 $ 46,418

Ratios:

Non-accrual loans to total gross loans 1.20  % 1.30  % 1.43  %

Non-performing loans to total gross loans 1.30  % 1.44  % 1.62  %

Non-performing assets to total assets 1.23  % 1.32  % 1.50  %

Ratios excluding loans wholly or partially guaranteed:

Non-accrual loans to total gross loans 0.82  % 0.89  % 0.88  %

Non-performing loans to total gross loans 0.90  % 0.99  % 1.07  %

Non-performing assets to total assets 0.86  % 0.92  % 0.99  %

Northpointe Bancshares, Inc. Reports First Quarter 2026 Results

April 21, 2026

15 of 17

Regulatory Capital Ratios (1)

Mar 31, 2026

Ratio Dec 31, 2025

Ratio Mar 31, 2025

Ratio

Total Capital (to Risk Weighted Assets)

Consolidated 11.44  % 11.47  % 12.74  %

Bank 11.05  % 11.35  % 12.16  %

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

Consolidated 9.45  % 9.72  % 12.02  %

Bank 10.89  % 11.21  % 11.95  %

CET 1 Capital Ratio (to Risk Weighted Assets)

Consolidated 8.97  % 9.21  % 9.92  %

Bank 10.89  % 11.21  % 11.95  %

Tier 1 Capital (to Average Assets)

Consolidated 8.46  % 8.24  % 11.07  %

Bank 9.75  % 9.50  % 11.01  %

(1) The regulatory capital ratios as of March 31, 2026 are estimates, pending completion and filing of the Bank's regulatory reports.

Northpointe Bancshares, Inc. Reports First Quarter 2026 Results

April 21, 2026

16 of 17

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 First Quarter 2026 Results

April 21, 2026

17 of 17

Non-GAAP Measures Reconciliation

As of or for the Three Months Ended

(Dollars in thousands) Mar 31,

2026 Dec 31,

2025 Mar 31,

2025

Stockholders' equity (GAAP) $ 589,993  $ 569,042  $ 586,522

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

Less: Intangible assets, net of DTL 1,029  1,148  1,489

Tangible common equity 563,985  542,915  486,299

Common shares at end of period 34,494,116  34,494,116  34,315,099

Tangible book value per share $ 16.35  $ 15.74  $ 14.17

Book value per share (GAAP) $ 17.10  $ 16.50  $ 17.09

Total assets (GAAP) $ 7,395,877  $ 7,022,825  $ 5,859,655

Less: Intangible assets, net of DTL 1,029  1,148  1,490

Tangible assets $ 7,394,848  $ 7,021,677  $ 5,858,165

Tangible common equity/tangible assets 7.63  % 7.73  % 8.30  %

Equity to assets (GAAP) 7.98  % 8.10  % 10.01  %

Net income $ 22,154  $ 23,643  $ 17,247

Less: Preferred stock dividends 453  5,247  2,206

Net income available to common stockholders 21,701  18,396  15,041

Annualized net income available to common stockholders 88,010  72,984  61,000

Average tangible common equity 560,361  540,307  426,075

Return on average tangible common equity 15.71  % 13.51  % 14.32  %

Annualized net income 89,847  93,801  69,946

Average equity 586,441  632,843  531,159

Return on average equity (GAAP) 15.32  % 14.82  % 13.17  %

EX-99.2

EX-99.2

Filename: q12026earningscallslides.htm · Sequence: 3

q12026earningscallslides

April 22, 2026 First 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 the potential for retaliatory actions by governments, market participants or clients based on diverging perspectives or otherwise and, separately, the recent shutdown of the U.S. federal government);; 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 $15.0 $18.0 $20.1 $18.4 $21.7 $0 $5 $10 $15 $20 $25 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 M ill io ns Net Income available to common stockholders $14.17 $14.67 $15.23 $15.74 $16.35 $13.00 $13.50 $14.00 $14.50 $15.00 $15.50 $16.00 $16.50 $17.00 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 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.

First Quarter 2026 Highlights (compared to prior quarter) 5 Earnings • Net income to common stockholders of $21.7 million • $0.62 per diluted share Performance Ratios • Return on average assets (annualized) of 1.28% • Return on average equity (annualized) of 15.32% • Return on average tangible common equity (annualized) (1) of 15.71% • Efficiency ratio (2) of 54.30% Portfolio Growth • Mortgage Purchase Program (“MPP”) growth of $435.7 million, or 51% annualized, net of balances participated to other institutions totaling $412.7 million at period end • All-in-One (3) growth of $28.0 million, or 15% annualized Deposit Growth • Total deposit growth of $131.8 million, or 11% annualized • Reduced wholesale funding ratio to 62.94%, from 64.60% 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 7.98% • Book value per share of $17.10 • Tangible book value per share of $16.35 (1), annualized growth of 15.5% Capital

6 Mortgage Purchase Program (MPP) Period Ending Outstanding MPP Balances($ in millions) $1,566.0 $1,671.8 $1,710.8 $2,468.2 $2,891.7 $3,364.9 $3,424.9 $3,860.7 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 First Quarter 2026 Highlights Total loans funded (purchased) $11.2 billion Total loans sold $10.7 billion # of new loans purchased 22,802 Average monthly participations $214.1 million Loan yield 6.59% Fee-adjusted yield (1) 6.82% (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 123 mortgage originators across 24 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 $17.8M Net gain on sale of loans (1) $693.7M Residential mortgage originations 7.02% AIO loan yield (2) Residential Lending Q1 2026 Highlights $28.0M 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 $5.2B UPB of loans serviced for others $2.2M Loan servicing fees (4) Specialized Mortgage Servicing Q1 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 $5.0B Total deposits $277.2M Non-interest bearing demand Digital Deposit Banking Q1 2026 Highlights $28.7K Average retail depositor balance 6.59% Liquidity ratio (3) 15.9K # 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 13 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. $538.1M Custodial deposits (5)

Allowance for Credit Losses (“ACL”) and Net Charge-off Ratio 8 Asset Quality First Quarter 2026 Metrics ACL to loans held for investment 0.15% ACL to non-accrual loans 12.07% ACL to non-accrual loans (excl. guaranteed) (1) 17.67% NPAs to total assets 1.23% NPAs to total assets (excl. guaranteed) (1) 0.86% Net charge-offs $0.3 million ($ 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 72%, FICO of 751, and DTI of 35%  Sophisticated and granular loan-level allowance methodology  Credit quality improved from prior quarter  Net charge-offs decreased by $0.9 million from prior quarter  Non-performing assets decreased by $2.0 million and loans past due 31-89 days decreased by $6.5 million from prior quarter $12.3 $12.4 $12.3 $10.4 $9.7 0.02% 0.04% 0.07% 0.08% 0.02% 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 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2025 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) Q1 2026 Q4 2025 Q1 2025 Interest income $ 101,503 $ 106,123 $ 79,150 Interest expense 60,230 62,626 48,761 Net interest income before provision 41,273 43,497 30,389 Provision (benefit) for credit losses and unfunded commitments (445) (608) 1,295 Net interest income after provision 41,718 44,105 29,094 Non-interest income 22,145 21,640 22,873 Non-interest expense 34,435 33,777 29,372 Income before income taxes 29,428 31,968 22,595 Income tax expense 7,274 8,325 5,348 Net Income 22,154 23,643 17,247 Preferred stock dividends 453 5,247 2,206 Net Income Available To Common Stockholders $ 21,701 $ 18,396 $ 15,041 Basic Earnings Per Share $ 0.63 $ 0.53 $ 0.50 Diluted Earnings Per Share $ 0.62 $ 0.52 $ 0.49 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) Q1 2026 Q4 2025 Q1 2025 ASSETS: Total Assets $ 7,395,877 $ 7,022,825 $ 5,859,655 Cash and cash equivalents 487,617 496,459 321,499 Securities 86,332 86,194 79,493 Loans held for sale, at fair value 297,243 309,213 207,633 Gross loans held for investment 6,411,197 6,021,527 5,147,170 Allowance for credit losses (9,700) (10,435) (12,315) Net loans held for investment 6,401,497 6,011,092 5,134,855 Mortgage servicing rights 20,608 17,048 15,492 Other assets 102,580 102,819 100,683 LIABILITIES AND EQUITY: Total Liabilities $ 6,805,884 $ 6,453,783 $ 5,273,133 Deposits 5,001,417 4,869,667 3,822,622 Borrowings 1,631,496 1,439,500 1,371,158 Subordinated debentures 111,872 91,915 24,159 Subordinated debentures issued through trusts 5,000 5,000 5,000 Other liabilities 56,099 47,701 50,194 Total Stockholders' Equity $ 589,993 $ 569,042 $ 586,522 RATIOS AND PER SHARE METRICS: Equity / assets 7.98% 8.10% 10.01% Tangible common equity / tangible assets (1) 7.63% 7.73% 8.30% Loans / deposits 128.19% 123.65% 134.65% Liquidity ratio (2) 6.59% 7.07% 5.49% Wholesale funding ratio (3) 62.94% 64.60% 66.59% Book value $ 17.10 $ 16.50 $ 17.09 Tangible book value (1) $ 16.35 $ 15.74 $ 14.17 For the Quarter Ended

11 Estimated Regulatory Capital Ratios 11.05% 10.89% 10.89% 9.75% 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 March 31, 2026 (1) (1) Regulatory capital ratios as of March 31, 2026 are estimates, pending completion and filing of the Bank's regulatory reports. 11.44% 9.45% 8.97% 8.46% 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 March 31, 2026 (1)

APPENDIX

13 Loan and Deposit Details Loan Portfolio Composition $6.7 billion at March 31, 2026 Deposit Composition $5.0 billion at March 31, 2026 Construction, 0.16% All-in-One (AIO), 11.34% Other Consumer/Home Equity, 0.75% Residential Mortgage, 25.76% Commercial, 0.01% MPP, 57.55% Total Loans Held for Sale (HFS), 4.43% Noninterest- bearing demand, 5.54% Interest- bearing demand, 25.99% Savings & money market, 10.21% Brokered time deposits, 50.86% Other time deposits, 7.40%

14 Fair Value Trends and Net Gain on Sale of Loans Reconciliation (Dollars in thousands) Q1 2026 Q4 2025 Q1 2025 Total net gain on sale of loans 16,547$ 18,306$ 18,587$ Less: change in fair value of loans HFI and LRA 1,221 (1,694) (3,697) Total net gain on sale of loans, excluding portfolio sales and LRA / HFI fair value adjustments 17,768$ 16,612$ 14,890$ (Dollars in thousands) Fair Value Asset Income Statement Category Q1 2026 Q4 2025 Q1 2025 Mortgage servicing rights (MSR) Loan servicing fees 1,322$ (1,101)$ (707)$ Lender risk account (LRA) Net gain on sale of loans (308) 606 829 Loans held for investment (HFI) with fair value accounting Net gain on sale of loans (913) 1,087 2,868 Increase (Decrease) in Fair Value Recorded During Quarter

15 Non-GAAP Reconciliation

GRAPHIC

GRAPHIC

Filename: northpointebancshareslogo-a.jpg · Sequence: 8

Binary file (1499779 bytes)

Download northpointebancshareslogo-a.jpg

GRAPHIC

GRAPHIC

Filename: q12026earningscallslides001.jpg · Sequence: 9

Binary file (121832 bytes)

Download q12026earningscallslides001.jpg

GRAPHIC

GRAPHIC

Filename: q12026earningscallslides002.jpg · Sequence: 10

Binary file (417310 bytes)

Download q12026earningscallslides002.jpg

GRAPHIC

GRAPHIC

Filename: q12026earningscallslides003.jpg · Sequence: 11

Binary file (96653 bytes)

Download q12026earningscallslides003.jpg

GRAPHIC

GRAPHIC

Filename: q12026earningscallslides004.jpg · Sequence: 12

Binary file (104441 bytes)

Download q12026earningscallslides004.jpg

GRAPHIC

GRAPHIC

Filename: q12026earningscallslides005.jpg · Sequence: 13

Binary file (153364 bytes)

Download q12026earningscallslides005.jpg

GRAPHIC

GRAPHIC

Filename: q12026earningscallslides006.jpg · Sequence: 14

Binary file (135923 bytes)

Download q12026earningscallslides006.jpg

GRAPHIC

GRAPHIC

Filename: q12026earningscallslides007.jpg · Sequence: 15

Binary file (172687 bytes)

Download q12026earningscallslides007.jpg

GRAPHIC

GRAPHIC

Filename: q12026earningscallslides008.jpg · Sequence: 16

Binary file (161029 bytes)

Download q12026earningscallslides008.jpg

GRAPHIC

GRAPHIC

Filename: q12026earningscallslides009.jpg · Sequence: 17

Binary file (115637 bytes)

Download q12026earningscallslides009.jpg

GRAPHIC

GRAPHIC

Filename: q12026earningscallslides010.jpg · Sequence: 18

Binary file (156833 bytes)

Download q12026earningscallslides010.jpg

GRAPHIC

GRAPHIC

Filename: q12026earningscallslides011.jpg · Sequence: 19

Binary file (117801 bytes)

Download q12026earningscallslides011.jpg

GRAPHIC

GRAPHIC

Filename: q12026earningscallslides012.jpg · Sequence: 20

Binary file (76103 bytes)

Download q12026earningscallslides012.jpg

GRAPHIC

GRAPHIC

Filename: q12026earningscallslides013.jpg · Sequence: 21

Binary file (104531 bytes)

Download q12026earningscallslides013.jpg

GRAPHIC

GRAPHIC

Filename: q12026earningscallslides014.jpg · Sequence: 22

Binary file (119471 bytes)

Download q12026earningscallslides014.jpg

GRAPHIC

GRAPHIC

Filename: q12026earningscallslides015.jpg · Sequence: 23

Binary file (127805 bytes)

Download q12026earningscallslides015.jpg

XML — IDEA: XBRL DOCUMENT

XML

Filename: R1.htm · Sequence: 25

v3.26.1

Cover

Apr. 21, 2026

Document Information [Line Items]

Document Type

8-K

Document Period End Date

Apr. 21, 2026

Registrant Name

Northpointe Bancshares, Inc.

Entity Incorporation, State or Country Code

MI

Entity File Number

001-42517

Entity Tax Identification Number

38-3413392

Entity Address, Address Line One

3333 Deposit Drive Northeast

Entity Address, City or Town

Grand Rapids

Entity Address, State or Province

MI

Entity Address, Postal Zip Code

49546

City Area Code

616

Local Phone Number

940‑9400

Written Communications

false

Soliciting Material

false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

false

Entity Emerging Growth Company

true

Entity Ex Transition Period

false

Title of 12(b) Security

Common Stock, no par value

Trading Symbol

NPB

Amendment Flag

false

Central Index Key

0001336706

NASDAQ - ALL MARKETS

Document Information [Line Items]

Security Exchange Name

NYSE

X

- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

+ References

No definition available.

+ Details

Name:

dei_AmendmentFlag

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Area code of city

+ References

No definition available.

+ Details

Name:

dei_CityAreaCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

No definition available.

+ Details

Name:

dei_DocumentInformationLineItems

Namespace Prefix:

dei_

Data Type:

xbrli:stringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

+ References

No definition available.

+ Details

Name:

dei_DocumentPeriodEndDate

Namespace Prefix:

dei_

Data Type:

xbrli:dateItemType

Balance Type:

na

Period Type:

duration

X

- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

+ References

No definition available.

+ Details

Name:

dei_DocumentType

Namespace Prefix:

dei_

Data Type:

dei:submissionTypeItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Address Line 1 such as Attn, Building Name, Street Name

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine1

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Name of the City or Town

+ References

No definition available.

+ Details

Name:

dei_EntityAddressCityOrTown

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Code for the postal or zip code

+ References

No definition available.

+ Details

Name:

dei_EntityAddressPostalZipCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Name of the state or province.

+ References

No definition available.

+ Details

Name:

dei_EntityAddressStateOrProvince

Namespace Prefix:

dei_

Data Type:

dei:stateOrProvinceItemType

Balance Type:

na

Period Type:

duration

X

- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

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

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityCentralIndexKey

Namespace Prefix:

dei_

Data Type:

dei:centralIndexKeyItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

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

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Indicate if an emerging growth company has elected not to use the extended transition period for complying with any new or revised financial accounting standards.

+ References

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

-Publisher SEC

-Name Securities Act

-Number 7A

-Section B

-Subsection 2

+ Details

Name:

dei_EntityExTransitionPeriod

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

dei_

Data Type:

dei:edgarStateCountryItemType

Balance Type:

na

Period Type:

duration

X

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

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

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

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

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

dei_

Data Type:

dei:employerIdItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

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

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

Name:

dei_PreCommencementIssuerTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

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

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

Name:

dei_PreCommencementTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Title of a 12(b) registered security.

+ References

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

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

dei_

Data Type:

dei:securityTitleItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Name of the Exchange on which a security is registered.

+ References

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

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

dei_

Data Type:

dei:edgarExchangeCodeItemType

Balance Type:

na

Period Type:

duration

X

- Definition

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.

+ References

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

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration

X

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

na

Period Type:

duration

X

- Definition

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.

+ References

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

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

dei_WrittenCommunications

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

na

Period Type:

duration

X

- Details

Name:

dei_EntityListingsExchangeAxis=exch_XNAS

Namespace Prefix:

Data Type:

na

Balance Type:

Period Type: