| Schedule of Regulatory Capital Requirements |
There are no conditions or events since that notification that management believes have changed the institution’s category. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | As of June 30, 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 | | $ | 585,841 | | | 9.19 | % | | $ | 286,727 | | | 4.50 | % | | N/A | | N/A | | Northpointe Bank | | 707,467 | | | 11.10 | % | | 286,700 | | | 4.50 | % | | $ | 414,122 | | | 6.50 | % | | Tier 1 Capital (to risk weighted assets) | | | | | | | | | | | | | | Consolidated | | 615,819 | | | 9.66 | % | | 382,303 | | | 6.00 | % | | N/A | | N/A | | Northpointe Bank | | 707,467 | | | 11.10 | % | | 382,266 | | | 6.00 | % | | 509,689 | | | 8.00 | % | | Total Capital (to risk weighted assets) | | | | | | | | | | | | | | Consolidated | | 740,585 | | | 11.62 | % | | 509,737 | | | 8.00 | % | | N/A | | N/A | | Northpointe Bank | | 717,233 | | | 11.26 | % | | 509,689 | | | 8.00 | % | | 637,111 | | | 10.00 | % | | Tier 1 capital (to average assets) | | | | | | | | | | | | | | Consolidated | | 615,819 | | | 8.30 | % | | 296,638 | | | 4.00 | % | | N/A | | N/A | | Northpointe Bank | | 707,467 | | | 9.54 | % | | 296,604 | | | 4.00 | % | | 370,755 | | | 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 | % |
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