Northpointe Bancshares, Inc. (NPB) Balance Sheet
NPB balance sheet, 2025
December 31, 2025 · U.S. dollars$7.02B assets = $6.45B liabilities + $569.0M equity
Both columns are drawn to the same scale: what NPB owns equals what it owes plus shareholders’ equity. Hover a block for its value.
NPB financial health
Descriptive bands, not a rating. Fiscal 2025.
NPB balance sheet trends, 2020–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $968.5M2020 | $7.02B2025 | +48.6%/yr | |
| Total liabilities | $108.1M2020 | $6.45B2025 | +126.6%/yr | |
| Shareholders’ equity | $860.4M2020 | $569.0M2025 | −7.9%/yr | |
| Cash & short-term investments | $732.5M2020 | $496.5M2025 | −7.5%/yr | |
| Total debt | $2.1M2020 | $1.54B2025 | +274.7%/yr | |
| Net cash (debt) | $730.4M2020 | −$1.04B2025 | −$1.8B | |
| Working capital | $729.0M2020 | −$4.37B2025 | −$5.1B | |
| Book value per share | $12.592020 | $16.802025 | +6.0%/yr | |
| Debt / equity | 0.002020 | 2.702025 | +2.70 | |
| Shares outstanding | 68.4M2020 | 33.9M2025 | −13.1%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
NPB assets
NPB liabilities and equity
NPB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
NPB balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Cash & short-term investments | $496.5M | $384.9M | $2.28B | $3.45B | $671.0M | $732.5M |
| Cash & equivalents | $496.5M | $376.3M | $2.14B | $3.21B | $552.8M | $727.7M |
| Short-term investments | $4.7M | $8.6M | $143.2M | $240.0M | $118.2M | $4.8M |
| Receivables | $28.3M | $1.2M | $1.8M | $4.8M | $61.0M | $71.2M |
| Inventory | $0 | $0 | $29.0M | −$80.3M | $4.3M | $0 |
| Other current assets | $0 | $0 | $21.2M | $247.9M | $14.0M | $13.4M |
| Total current assets | $496.5M | $384.9M | $2.34B | $3.63B | $750.2M | $817.1M |
| Property, plant & equipment (net) | $27.6M | $27.3M | $82.9M | $124.0M | $24.9M | $6.2M |
| Goodwill & intangible assets | $20.1M | $17.2M | $118.1M | $281.5M | $44.3M | $43.3M |
| Long-term investments | $6.1M | $9.9M | $16.0M | $16.2M | $0 | $0 |
| Other non-current assets | $6.47B | $4.78B | $59.2M | $25.6M | $59.4M | $102.0M |
| Total assets | $7.02B | $5.22B | $2.61B | $4.07B | $878.7M | $968.5M |
| Liabilities | ||||||
| Short-term debt | $420.0M | $6.0M | $51.9M | $42.9M | $4.8M | $1.2M |
| Deferred revenue | — | $106,000 | $11.2M | $2.2M | $371,660 | $1.1M |
| Total current liabilities | $4.87B | $3.42B | $411.8M | $758.1M | $97.9M | $88.1M |
| Long-term debt | $96.9M | $43.9M | $39.4M | $56.3M | $0 | $0 |
| Other long-term liabilities | $1.49B | $1.30B | $443.6M | $349.3M | $65.5M | $20.0M |
| Total liabilities | $6.45B | $4.76B | $894.8M | $1.16B | $163.4M | $108.1M |
| Shareholders' equity | ||||||
| Common stock & paid-in capital | $204.9M | $138,681 | $133,000 | $131,994 | $19,767 | $17,431 |
| Retained earnings (deficit) | $364.4M | $296.0M | −$8.33B | −$6.86B | −$683.2M | −$309.4M |
| Accumulated other comprehensive income | −$199,000 | −$324,000 | $298.3M | $213.8M | −$29.3M | −$7.8M |
| Total shareholders' equity | $569.0M | $462.5M | $1.72B | $2.91B | $715.3M | $860.4M |
| Key figures | ||||||
| Total debt | $1.54B | $1.30B | $133.9M | $75.0M | $17.6M | $2.1M |
| Net cash (debt) | −$1.04B | −$917.8M | $2.15B | $3.38B | $653.3M | $730.4M |
| Working capital | −$4.37B | −$3.04B | $1.92B | $2.87B | $652.3M | $729.0M |
| Tangible book value | $549.0M | $445.3M | $1.60B | $2.63B | $671.0M | $817.2M |
| Book value per share | $16.80 | $13.48 | $50.08 | $84.81 | $9.42 | $12.59 |
| Shares outstanding | 33.9M | 34.3M | 34.3M | 34.3M | 76.0M | 68.4M |
| Current ratio | 0.10 | 0.11 | 5.67 | 4.78 | 7.66 | 9.28 |
| Quick ratio | 0.11 | 0.11 | 5.55 | 4.56 | 7.48 | 9.12 |
| Debt / equity | 2.70 | 2.82 | 0.08 | 0.03 | 0.02 | 0.00 |
| Equity / assets | 8.1% | 8.9% | 65.8% | 71.4% | 81.4% | 88.8% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $543.2M | $487.6M | $496.5M | $423.9M | $424.4M | $330.1M | $384.9M | $449.2M | $1.51B | $2.28B | $366.6M | $2.29B |
| Cash & equivalents | $538.4M | $487.6M | $496.5M | $419.2M | $415.7M | $321.5M | $376.3M | $440.8M | $1.10B | $2.14B | $351.9M | $2.14B |
| Short-term investments | $4.9M | $4.9M | $4.7M | $4.8M | $8.8M | $8.6M | $8.6M | $8.4M | $403.5M | $143.2M | $14.7M | $148.1M |
| Receivables | $0 | $26.5M | $28.3M | $0 | $2.0M | $4.6M | $0 | $0 | $0 | $1.8M | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $29.0M | $0 | $0 |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $167.1M | $21.2M | $0 | $47.1M |
| Total current assets | $543.2M | $514.1M | $496.5M | $423.9M | $424.4M | $330.1M | $384.9M | $449.2M | $1.67B | $2.34B | $366.6M | $2.34B |
| Property, plant & equipment (net) | $27.0M | $28.8M | $27.6M | $27.7M | $27.5M | $27.0M | $27.3M | $27.9M | $28.2M | $82.9M | $29.3M | $82.9M |
| Goodwill & intangible assets | $1.2M | $1.4M | $18.6M | $18.4M | $18.2M | $17.4M | $17.2M | $15.5M | $0 | $118.1M | $99.9M | $118.1M |
| Long-term investments | $6.2M | $6.2M | $6.1M | $6.1M | $10.1M | $9.9M | $9.9M | $9.8M | $0 | $0 | $16.0M | $0 |
| Other non-current assets | $6.95B | $6.85B | $6.47B | $6.36B | $5.95B | $5.48B | $4.78B | $4.88B | $141.5M | $75.3M | $4.25B | $75.3M |
| Total assets | $7.53B | $7.40B | $7.02B | $6.84B | $6.43B | $5.86B | $5.22B | $5.39B | $1.84B | $2.61B | $4.76B | $2.61B |
| Liabilities | ||||||||||||
| Short-term debt | — | $425.0M | $420.0M | $872 | $853,000 | $6.0M | $143.8M | $753,000 | $5.4M | $51.9M | — | $51.9M |
| Deferred revenue | — | — | — | — | — | $106,000 | — | — | — | $11.2M | — | — |
| Total current liabilities | — | $425.0M | $4.87B | $4.77B | $4.47B | $3.82B | $3.42B | $3.53B | $101.5M | $411.8M | $2.93B | $411.8M |
| Long-term debt | $1.63B | $1.75B | $96.9M | $29.2M | $29.2M | $29.2M | $43.9M | $43.9M | $0 | $0 | $1.31B | $0 |
| Other long-term liabilities | $5.29B | $4.64B | $1.49B | $1.42B | $1.32B | $1.42B | $1.30B | $1.36B | $23.4M | $0 | $87.9M | $483.0M |
| Total liabilities | $6.92B | $6.81B | $6.45B | $6.22B | $5.83B | $5.27B | $4.76B | $4.93B | $125.0M | −$1.75B | $4.33B | $894.8M |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $206.1M | $204.9M | $204.9M | $27 | $19,000 | $138,681 | — | $19,000 | $138,080 | $133,000 | — | $133,000 |
| Retained earnings (deficit) | $405.6M | $385.2M | $364.4M | $346.8M | $327.6M | $310.4M | $296.0M | $287.8M | −$9.13B | −$8.33B | $251.4M | −$8.33B |
| Accumulated other comprehensive income | −$90,000 | −$88,000 | −$199,000 | −$189,000 | −$164,000 | −$310,000 | −$324,000 | −$445,000 | $294.0M | $1.75B | −$801,000 | $298.3M |
| Total shareholders' equity | $611.6M | $590.0M | $569.0M | $623.5M | $604.3M | $586.5M | $462.5M | $454.8M | $1.72B | $1.75B | $430.6M | $1.72B |
| Key figures | ||||||||||||
| Total debt | $1.63B | $1.75B | $1.54B | $1.40B | $1.30B | $1.40B | $1.30B | $1.35B | $28.8M | $133.9M | $1.31B | $75.0M |
| Net cash (debt) | −$1.09B | −$1.26B | −$1.04B | −$974.3M | −$879.7M | −$1.07B | −$917.8M | −$903.5M | $1.48B | $2.15B | −$947.8M | $2.21B |
| Working capital | — | $89.1M | −$4.37B | −$4.35B | −$4.05B | −$3.49B | −$3.04B | −$3.08B | $1.57B | $1.92B | −$2.56B | $1.92B |
| Tangible book value | $610.4M | $588.6M | $550.5M | $605.1M | $586.1M | $569.1M | $445.3M | $439.3M | $1.72B | $1.63B | $330.7M | $1.60B |
| Book value per share | $17.31 | $16.73 | $16.22 | $17.65 | $17.16 | $19.26 | $18.01 | $13.26 | $50.12 | $51.05 | $16.76 | $57.27 |
| Shares outstanding | 35.3M | 35.3M | 35.1M | 35.3M | 35.2M | 30.4M | 25.7M | 34.3M | 34.3M | 34.3M | 25.7M | 30.0M |
| Current ratio | — | 1.21 | 0.10 | 0.09 | 0.09 | 0.09 | 0.11 | 0.13 | 16.50 | 5.67 | 0.13 | 5.67 |
| Quick ratio | — | 1.21 | 0.11 | 0.09 | 0.10 | 0.09 | 0.11 | 0.13 | 14.85 | 5.55 | 0.13 | 5.56 |
| Debt / equity | 2.66 | 2.97 | 2.70 | 2.24 | 2.16 | 2.39 | 2.82 | 2.97 | 0.02 | 0.08 | 3.05 | 0.04 |
| Equity / assets | 8.1% | 8.0% | 8.1% | 9.1% | 9.4% | 10.0% | 8.9% | 8.4% | 93.2% | 67.0% | 9.0% | 65.8% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed April 7, 2026); data from EODHD.
NPB financial position
At the end of fiscal 2025 (December 31, 2025), Northpointe Bancshares had total assets of $7.0 billion (up 34.4% from a year earlier), total liabilities of $6.5 billion and shareholders' equity of $569.0 million. It held $496.5 million in cash and short-term investments against $1.5 billion of debt, net debt of $1.0 billion. Its current ratio was 0.10. In the latest quarter (ended June 30, 2026) total assets were $7.5 billion and equity $611.6 million.
Related: NPB income statement, NPB cash flow statement, NPB key metrics. See the NPB stock overview for the latest quote and news.
NPB balance sheet FAQ
What are Northpointe Bancshares's total assets?
Northpointe Bancshares reported total assets of $7.0 billion at the end of fiscal 2025 (December 31, 2025), compared with $5.2 billion a year earlier.
How much debt does Northpointe Bancshares have?
Northpointe Bancshares had $1.5 billion of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 2.70.
How much cash does Northpointe Bancshares have?
Northpointe Bancshares held $496.5 million in cash and short-term investments at the end of fiscal 2025; with $1.5 billion of debt that is net debt of $1.0 billion.
What is Northpointe Bancshares's book value?
Northpointe Bancshares's shareholders' equity (book value) was $569.0 million at the end of fiscal 2025, or $16.80 per share.
What is Northpointe Bancshares's current ratio?
Northpointe Bancshares had current assets of $496.5 million and current liabilities of $4.9 billion, a current ratio of 0.10 (current liabilities exceed current assets).
How much goodwill does Northpointe Bancshares have?
Northpointe Bancshares carried $20.1 million of goodwill and intangible assets, 0.3% of total assets, at the end of fiscal 2025.