The Company and Bank are subject to various regulatory capital requirements administered by the Federal banking agencies. Failure to meet minimum capital requirements can result in certain mandatory — and possibly additional discretionary — actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines, the Company and Bank must meet specific capital guidelines that involve quantitative measures of the Company and the Bank’s assets, liabilities, and certain off-balance sheet items as calculated under U.S. GAAP, regulatory reporting requirements and regulatory capital standards. The Company and Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Furthermore, the Company and Bank’s regulators could require adjustments to regulatory capital not reflected in the consolidated financial statements.

Quantitative measures established by regulatory capital standards to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth in the table below) of total capital, Tier 1 capital (as defined), and common equity Tier 1 capital (as defined) to risk-weighted assets (as defined) and of Tier 1 capital (as defined) to average total assets (as defined). Additionally, to make distributions or discretionary bonus payments, the Company and Bank must maintain a capital conservation buffer of 2.5% of risk-weighted assets.

Management believes that the Company and the Bank met all capital adequacy requirements to which it is subject at March 31, 2026 and December 31, 2025. As of the latest balance sheet date, the most recent regulatory notifications categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum ratios as set forth in the following table. There are no conditions or events since that notification that management believes have changed the institution’s category.


As of March 31, 2026 (dollars in thousands)	Actual				For Capital Adequacy Purposes				To be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
CET1 (to risk weighted assets)
Consolidated	$	564,073	8.97	%	$	282,892	4.50	%	N/A		N/A
Northpointe Bank	684,674		10.89	%	282,882		4.50	%	$	408,608	6.50	%
Tier 1 Capital (to risk weighted assets)
Consolidated	594,052		9.45	%	377,189		6.00	%	N/A		N/A
Northpointe Bank	684,674		10.89	%	377,176		6.00	%	502,902		8.00	%
Total Capital (to risk weighted assets)
Consolidated	719,136		11.44	%	502,919		8.00	%	N/A		N/A
Northpointe Bank	694,758		11.05	%	502,902		8.00	%	628,627		10.00	%
Tier 1 capital (to average assets)
Consolidated	594,052		9.45	%	280,835		4.00	%	N/A		N/A
Northpointe Bank	684,674		10.89	%	280,823		4.00	%	351,029		5.00	%


As of December 31, 2025 (dollars in thousands)	Actual				For Capital Adequacy Purposes				To be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio		Amount	Ratio
CET1 (to risk weighted assets)
Consolidated	$	544,988	9.21	%	$	266,226	4.50	%	N/A	N/A
Northpointe Bank	663,255		11.21	%	266,213		4.50	%	384,530	6.50	%
Tier 1 Capital (to risk weighted assets)
Consolidated	574,967		9.72	%	354,968		6.00	%	N/A	N/A
Northpointe Bank	663,255		11.21	%	354,951		6.00	%	473,268	8.00	%
Total Capital (to risk weighted assets)
Consolidated	678,300		11.47	%	473,290		8.00	%	N/A	N/A
Northpointe Bank	671,588		11.35	%	473,268		8.00	%	591,585	10.00	%
Tier 1 capital (to average assets)
Consolidated	574,967		8.24	%	279,168		4.00	%	N/A	N/A
Northpointe Bank	663,255		9.50	%	279,158		4.00	%	348,947	5.00	%