Northpointe Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Good (5.3) profitability.
Other Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 11.9 and a capital leverage ratio of 9.1. A current level of 9.9 percent of nonperforming loans to core capital combined with 6.0 percent from a year earlier contributes to the Good asset quality (5.5).
Asset Mix:
Home mtgs (38%), home eq lns (14%), cash (7%), securities (0%), comm loans (0%), other (41%)
States with Branches:
MI
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Northpointe Bancshares, Inc.
Investment Rating
Address
3333 Deposit Drive NE
Grand Rapids, MI 49546
Grand Rapids, MI 49546
Phone Number
(616) 940-9400
Year Founded
1999
FDIC Number
Website
Largest Affiliates
No affiliate information available.