Northpointe Bank: how it compares with its peers
Against 227 U.S. banks with half to twice its assets, Northpointe Bank's strongest measure in Q2 2026 is assets per employee ($15.2M vs. a $10.0M peer median). Its weakest relative measure is net interest margin (2.48% vs. 3.68%).
| Measure | Northpointe Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.32% | 1.34% | Middle third Ahead of 49% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.48% | 3.68% | Bottom third Ahead of 10% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.68% | 54.98% | Middle third Ahead of 64% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $15.2M | $10.0M | Top third Ahead of 80% of peers |
| Loans to deposits Net loans and leases over total deposits. | 129.10% | 88.02% | Context |
What it means for lending operations
Its efficiency ratio of 51.68% is better than the 54.98% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Ridgewood Savings Bank Ridgewood, NY · $7.55B
- Central Pacific Bank Honolulu, HI · $7.50B
- Bank of Colorado Fort Collins, CO · $7.61B
- Ocean Bank Miami, FL · $7.63B
- Needham Bank Needham, MA · $7.42B
- Bank of India New York, NY · $7.42B
Questions about Northpointe Bank
How big is Northpointe Bank?
Northpointe Bank, established in 1999, is headquartered in Grand Rapids, MI. It reported $7.53B in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Northpointe Bank's return on assets?
1.32% annualized in Q2 2026, against a 1.34% median for 227 U.S. banks with half to twice its assets, ahead of 49% of them.
What is Northpointe Bank's efficiency ratio?
51.68% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 54.98%, and lower is better.
Is Northpointe Bank growing its loans?
Net loans grew 16.6% over the year to Q2 2026, while deposits grew 16.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Michigan bank ranked.