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NPB

Northpointe Bancshares, Inc.

Northpointe Bancshares, Inc. is classed by the SEC under State Commercial Banks (industry code 6022), based in Grand Rapids, MI. Its latest filed balance sheet (2025-12-31) shows total assets of $7.4 billion (its filed statements).

Lending business State Commercial Banks Grand Rapids, MI filings since 2005 3 of 9 filed, 6 estimated
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4.8/10headline grade
vs its business-model standard
4.8/10past 3.9/10present 6.0/10future

Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6022, State Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.

The grade, in three tenses

Headline 4.8 out of ten, 3 of 9 metrics filed and 6 estimated: past 4.8 out of ten, present 3.9 out of ten, future 6.0 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.

The nine metrics

  • Surviving crises (past): 7.8 out of ten. No warning events in its filings since 2017. 78th percentile among 165 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Track record (past): 4.9 out of ten. CrossAssetData estimate 4.9/10, confidence 20 of 100 (family median). 50th percentile among 152 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
  • Shareholder treatment (past): 0.7 out of ten. Share count grew 14.6% a year. 2% of cash flow returned. Insiders: 24 sales, 5 purchases. 7th percentile among 157 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Financial health (present): 3.6 out of ten. ROE 15%: 15¢ of profit per shareholder dollar. Leverage 92%: owes 92¢ per asset dollar. 37th percentile among 161 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Industry position (present): 5.3 out of ten. CrossAssetData estimate 5.3/10, confidence 20 of 100 (family median). 50th percentile among 155 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
  • Leadership (present): 2.4 out of ten. CrossAssetData estimate 2.4/10, confidence 35 of 100 (one part). 24th percentile among 160 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
  • Room to expand (future): 8.2 out of ten. CrossAssetData estimate 8.2/10, confidence 35 of 100 (one part). 82nd percentile among 162 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
  • Growth drivers (future): 4.9 out of ten. CrossAssetData estimate 4.9/10, confidence 20 of 100 (family median). 50th percentile among 152 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
  • Expectations vs reality (future): 5.1 out of ten. CrossAssetData estimate 5.1/10, confidence 20 of 100 (family median). 50th percentile among 150 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.

The filing record

Newest annual report: Form 10-K filed 2026-03-27 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-13 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-04-21 (on EDGAR). Newest filing: Form 8-K, 2026-10-06. Filings on record since 2005. Read from EDGAR 2026-10-12.

Who runs it

Williams, Charles Alan (CHAIRMAN & CEO); Comps, Kevin J (PRESIDENT & SECRETARY); Howes, Brad T (EVP, CHIEF FINANCIAL OFFICER); Long, Joseph B (Chief Operating Officer); Butler, Amy M (EVP, NATIONAL SALES); Christel, David J (PRES, MORTGAGE PURCH PROGRAM); Hooker, David Stevens (director); Boer, Carrie L (director); Chaudhary, Rajeev Kumar (director); De, Vlieger Robert W II (director); and 5 more. 15 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.

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Every stock is a company. We grade the company behind the stock. CrossAssetData is a company research product: no investment advice, no price targets, no price predictions; every claim carries its source, and unseen means unseen. The full file draws when the page's script runs: the essentials, the balance sheet, the estimators, the trend, and every filing of the last ten years.