BlastPoint's Banking Scorecard
Northpointe Bank
Mid-Market
Specialty: Other
MI
FDIC cert 34953
Grand Rapids, MI
201
banks in Mid-Market tier nationally
4 in MI
View Mid-Market leaderboard (MI) →
Northpointe Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 43.82% above tier
- - Nonperforming Asset Ratio 0.82% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.0B
+34.4% YoY
+2.7% QoQ
|
-$3.4B |
$10.5B
+2.9% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$6.3B
+36.4% YoY
+1.7% QoQ
|
-$811.1M |
$7.1B
+4.5% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$4.9B
+42.6% YoY
+2.3% QoQ
|
-$3.7B |
$8.5B
+3.0% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
1.39%
+23.5% YoY
+1.5% QoQ
|
+0.23% |
1.16%
+9.4% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
2.53%
+5.1% YoY
+2.3% QoQ
|
-0.87% |
3.40%
+7.9% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
51.85%
-12.3% YoY
-1.1% QoQ
|
-4.76% |
56.60%
-3.2% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
1.44%
-15.5% YoY
+6.6% QoQ
|
+0.75% |
0.68%
+12.0% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
129.29%
-4.3% YoY
-0.6% QoQ
|
+43.82% |
85.47%
+1.1% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.03%
-3.8% YoY
+18.1% QoQ
|
-14.61% |
20.64%
-0.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
1.32%
-15.9% YoY
+5.9% QoQ
|
+0.82% |
0.50%
+7.3% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
11.21%
-3.1% YoY
+2.3% QoQ
|
-2.34% |
13.55%
+1.8% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
17% |
| Non-Interest Income / Assets ? |
1.30%
-7.0% YoY
+27.8% QoQ
|
+0.34% |
0.96%
+7.1% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Mid-Market
Why this stands out
Current:
129.29%
(Tier avg: 85.47%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Mid-Market
Why this stands out
Current:
1.32%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Non-Interest Income / Assets
Current: 1.30% · Tier avg: 0.96%
68
68th pctile
Efficiency Ratio
Current: 51.85% · Tier avg: 56.60%
68
68th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.16%
54
54th pctile
Total Loans
Current: $6.3B · Tier avg: $7.1B
34
34th pctile
Total Assets
Current: $7.0B · Tier avg: $10.5B
18
18th pctile
Total Deposits
Current: $4.9B · Tier avg: $8.5B
17
17th pctile
Net Interest Margin
Current: 2.53% · Tier avg: 3.40%
17
17th pctile
Tier 1 Capital Ratio
Current: 11.21% · Tier avg: 13.55%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 6.03% · Tier avg: 20.64%
12
12th pctile
Delinquency Rate
Current: 1.44% · Tier avg: 0.68%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.32% · Tier avg: 0.50%
3
3th pctile
Loan-to-Deposit Ratio
Current: 129.29% · Tier avg: 85.47%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 129.29% · Tier avg: 85.47%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.32% · Tier avg: 0.50%
12
12th pctile
Delinquency Rate
Current: 1.44% · Tier avg: 0.68%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 6.03% · Tier avg: 20.64%
17
17th pctile
Tier 1 Capital Ratio
Current: 11.21% · Tier avg: 13.55%
17
17th pctile
Net Interest Margin
Current: 2.53% · Tier avg: 3.40%
18
18th pctile
Total Deposits
Current: $4.9B · Tier avg: $8.5B
34
34th pctile
Total Assets
Current: $7.0B · Tier avg: $10.5B
54
54th pctile
Total Loans
Current: $6.3B · Tier avg: $7.1B
68
68th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.16%
68
68th pctile
Efficiency Ratio
Current: 51.85% · Tier avg: 56.60%
86
86th pctile
Non-Interest Income / Assets
Current: 1.30% · Tier avg: 0.96%