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    "markdown": "| | Per Share | Total |\n| --- | --- | --- |\n| Initial public offering price | $ 14.50 | $151,090,000.00 |\n| Underwriting discounts and commissions(1) | $ 0.9425 | $ 9,820,850.00 |\n| Proceeds before expenses, to us | $13.5575 | $116,865,650.00 |\n| Proceeds before expenses, to the selling stockholders | $13.5575 | $ 24,403,500.00 |",
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    "markdown": "| | Page |\n| --- | --- |\n| ABOUT THIS PROSPECTUS | ii |\n| INDUSTRY AND MARKET DATA | iii |\n| PROSPECTUS SUMMARY | 1 |\n| SUMMARY HISTORICAL CONSOLIDATED FINANCIAL INFORMATION AND OTHER DATA | 20 |\n| RISK FACTORS | 25 |\n| CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS | 51 |\n| USE OF PROCEEDS | 54 |\n| CAPITALIZATION | 55 |\n| DILUTION | 56 |\n| MARKET FOR COMMON STOCK AND DIVIDEND POLICY | 58 |\n| MANAGEMENT S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS | 60 |\n| BUSINESS | 87 |\n| SUPERVISION AND REGULATION | 103 |\n| MANAGEMENT | 116 |\n| EXECUTIVE AND DIRECTOR COMPENSATION | 124 |\n| CERTAIN RELATIONSHIPS AND RELATED PARTY TRANSACTIONS | 132 |\n| PRINCIPAL AND SELLING STOCKHOLDERS | 135 |\n| DESCRIPTION OF CAPITAL STOCK | 138 |\n| SHARES ELIGIBLE FOR FUTURE SALE | 158 |\n| MATERIAL U.S. FEDERAL INCOME TAX CONSIDERATIONS TO NON-U.S. HOLDERS | 160 |\n| UNDERWRITING | 164 |\n| LEGAL MATTERS | 170 |\n| EXPERTS | 170 |\n| WHERE YOU CAN FIND MORE INFORMATION | 170 |\n| INDEX TO CONSOLIDATED FINANCIAL STATEMENTS | F-1 |",
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    "title": "The Offering",
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    "markdown": "| Item | Description |\n| --- | --- |\n| Issuer | Northpointe Bancshares, Inc. |\n| Common Stock Offered by Us | 8,620,000 shares (or 8,622,574 shares if the underwriters exercise their option to purchase additional shares in full) |\n| Common Stock Offered by the Selling Stockholders | 1,800,000 shares (or 3,360,426 shares if the underwriters exercise their option to purchase additional shares in full) |\n| Option to Purchase Additional Shares of Common Stock Offered by Us | We have granted the underwriters a 30-day option to purchase up to 2,574 additional shares of our common stock at the public offering price, less the underwriting discounts and commissions. |\n| Option to Purchase Additional Shares of Common Stock Offered by the Selling Stockholders | The Selling Shareholders have granted the underwriters a 30-day option to purchase up to 1,560,426 additional shares of our common stock at the public offering price, less the underwriting discounts and commissions. |\n| Shares Outstanding After this Offering | 34,309,560 shares (or 34,312,134 shares if the underwriters exercise their option to purchase additional shares in full) |\n| Use of Proceeds | We estimate that the net proceeds that we will receive from this offering, after deducting underwriting discounts and commissions and the estimated offering expenses payable by us, will be approximately $114.4 million. We will not receive any proceeds from the sale of shares of our common stock by the selling stockholders. We intend to use the net proceeds that we receive from this offering for general corporate purposes, which may include growing our existing lines of business or using a portion of the proceeds to redeem all or a portion of our preferred stock. Our management will have broad discretion over the use of the net proceeds that we receive from this offering. See the section entitled Use of Proceeds. |\n| Dividend Policy | We have historically paid quarterly dividends to holders of our common stock. Nevertheless, we have no obligation to pay dividends and any future determination relating to our dividend policy will be made by our board of directors and will depend on a number of factors, including general and economic conditions, industry standards, our financial condition and results of operations, our available cash and current and anticipated cash needs, capital requirements, our ability to service debt obligations senior to our common stock, banking regulations, contractual, legal, tax and regulatory restrictions, and limitations on the payment of dividends by us to our stockholders or by our Bank to us, and such other factors as our board of directors may deem relevant. We cannot assure you that we will be able to pay dividends to holders of our common stock in the future. Because we are a BHC and do not engage directly in business activities of a material nature, our ability to pay any dividends on our common stock depends, in large part, upon our receipt of dividends from our Bank, which is also subject to numerous limitations on the payment of dividends under federal |",
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    "title": "SUMMARY HISTORICAL CONSOLIDATED FINANCIAL INFORMATION AND OTHER DATA",
    "subtitle": "(Unaudited) As of or for the Nine Months Ended September 30, and As of or for the Years Ended December 31,",
    "markdown": "| | Nine Months Ended September 30, | | | Years Ended December 31, | | | | |\n| --- | --- | --- | --- | --- | --- | --- | --- | --- |\n| | 2024 | 2023 | 2023 | 2022 | 2021 | 2020 | 2019 | |\n| BALANCE SHEET DATA | | | | | | | | |\n| Total Assets | $ 5,385,999 | $ 4,888,913 | $ 4,758,479 | $ 4,400,346 | $ 4,726,880 | $ 3,302,490 | $ 2,173,532 | |\n| Total Gross Loans & Leases (HFI and HFS) | $ 4,757,085 | $ 4,132,826 | $ 4,133,642 | $ 3,821,097 | $ 3,985,271 | $ 2,716,118 | $ 1,694,848 | |\n| Mortgage Warehouse (MPP) / Loans % | 35.1% | 26.5% | 27.7% | 20.7% | 26.1% | 22.3% | 17.1% | |\n| First Lien Residential Mortgage / Loans % | 44.4% | 49.2% | 47.8% | 57.9% | 63.7% | 67.8% | 72.2% | |\n| All-in-One (AIO) / Loans % | 12.2% | 11.3% | 12.2% | 8.5% | 2.3% | 3.0% | 1.7% | |\n| Total Deposits | 3,531,878 | 3,041,028 | 2,925,558 | 2,921,300 | 2,935,393 | 1,656,719 | 1,315,553 | |\n| Cash & Cash Equivalents | 440,751 | 469,357 | 351,890 | 274,233 | 452,603 | 354,196 | 314,487 | |\n| Investment Securities | 79,331 | 81,261 | 83,532 | 89,732 | 90,663 | 51,688 | 41,306 | |\n| Mortgage Servicing Rights (MSRs) | 11,671 | 106,847 | 95,339 | 101,792 | 73,385 | 68,615 | 31,491 | |\n| Intangible Asset (net of DTL) | 2,879 | 3,727 | 3,431 | 4,331 | 6,720 | 7,740 | 9,811 | |\n| FHLB and Other Borrowings | 1,308,750 | 1,275,000 | 1,275,000 | 925,000 | 1,247,000 | 924,488 | 634,501 | |\n| Subordinated Debt | 43,897 | 47,733 | 39,368 | 56,255 | 56,079 | 60,902 | 62,250 | |\n| Preferred Stock | 103,573 | 116,157 | 116,157 | 116,157 | 116,157 | 91,178 | 0 | |\n| Stockholders Equity | 454,782 | 432,286 | 430,620 | 417,307 | 413,623 | 311,634 | 127,631 | |\n| Tangible Common Equity (1) | 348,329 | 312,402 | 311,032 | 296,819 | 290,746 | 212,715 | 117,820 | |\n| Allowance for Credit Losses | $ 12,220 | $ 14,273 | $ 12,295 | $ 6,365 | $ 3,886 | $ 10,539 | $ 4,532 | |\n| ORIGINATION & OFF-BALANCE SHEET DATA | | | | | | | | |\n| Total Loan Originations | $ 1,557,955 | $ 2,991,086 | $ 3,566,255 | $ 8,795,062 | $12,465,865 | $14,805,345 | $ 9,567,450 | |\n| Total Retail Originations | 1,557,955 | 2,696,346 | 3,271,032 | 5,538,613 | 7,351,327 | 7,338,437 | 3,692,278 | |\n| Total Correspondent Originations | 0 | 294,740 | 295,223 | 3,256,449 | 5,114,538 | 7,466,908 | 5,875,172 | |\n| Total Unused Commitments | 2,777,287 | 3,595,887 | 3,666,446 | 3,088,866 | 247,367 | 130,795 | 105,218 | |\n| Mortgage Warehouse (MPP) Total Loans Funded | 17,380,555 | 11,348,442 | 15,598,945 | 14,270,481 | 21,326,530 | 18,640,142 | 11,931,771 | |",
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    "title": "Selected Financial Metrics",
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    "markdown": "| Metric | Nine Months Ended September 30, 2024 | Nine Months Ended September 30, 2023 | Years Ended December 31, 2023 | Years Ended December 31, 2022 | Years Ended December 31, 2021 | Years Ended December 31, 2020 | Years Ended December 31, 2019 |\n| --- | --- | --- | --- | --- | --- | --- | --- |\n| Mortgage Servicing Rights (Unpaid Principal Balance) | 7,124,844 | 13,519,884 | 13,419,083 | 13,205,460 | 21,428,144 | 17,778,215 | 11,181,252 |\n| PERFORMANCE MEASURES |  |  |  |  |  |  |  |\n| Return on Average Assets | 1.17% | 0.92% | 0.72% | 0.54% | 2.52% | 3.88% | 1.51% |\n| Return on Average Equity | 13.20% | 10.13% | 7.89% | 5.53% | 26.93% | 65.16% | 29.74% |\n| Return on Average Tangible Common Equity | 15.8% | 11.2% | 8.0% | 4.7% | 35.3% | 69.1% | 33.5% |\n| Net Interest Margin | 2.29% | 2.23% | 2.25% | 2.46% | 2.47% | 1.93% | 2.23% |\n| Efficiency Ratio | 59.39% | 74.41% | 77.40% | 86.80% | 69.67% | 64.54% | 80.90% |\n| CAPITAL RATIOS |  |  |  |  |  |  |  |\n| Equity / Assets | 8.44% | 8.84% | 9.05% | 9.48% | 8.75% | 9.44% | 5.87% |\n| Tangible Equity / Tangible Assets | 6.47% | 6.39% | 6.54% | 6.75% | 6.16% | 6.46% | 5.45% |\n| Tier 1 Leverage Ratio | 8.77% | 8.95% | 9.19% | 9.73% | N/A | N/A | N/A |\n| Common Equity Tier 1 Capital Ratio | 7.93% | 7.62% | 7.61% | 7.81% | N/A | N/A | N/A |\n| Tier 1 Risk Based Capital Ratio | 10.37% | 10.53% | 10.52% | 11.03% | N/A | N/A | N/A |\n| Total Risk Based Capital Ratio (TRBC) | 11.36% | 11.61% | 11.43% | 12.46% | N/A | N/A | N/A |\n| Tier 1 Leverage Ratio (Bank) | 9.11% | 9.43% | 9.45% | 10.54% | 10.28% | 10.64% | 8.28% |\n| Total Risk Based Capital Ratio (Bank) | 11.22% | 11.57% | 11.26% | 11.91% | N/A | N/A | N/A |\n| LIQUIDITY & FUNDING |  |  |  |  |  |  |  |\n| Loans / Deposits | 134.69% | 135.90% | 141.29% | 130.80% | 135.77% | 163.95% | 128.83% |\n| Liquidity Ratio | 8.18% | 9.60% | 7.40% | 6.23% | 9.58% | 10.73% | 14.47% |\n| Wholesale Funding Ratio | 74.53% | 75.28% | 74.76% | 60.65% | 65.42% | 45.58% | 38.60% |\n| Total Time Deposits / Total Deposits | 78.57% | 76.71% | 65.25% | 76.21% | 83.06% | 62.15% | 63.00% |\n| Deposits >$250k / Total Deposits | 3.21% | 2.36% | 2.49% | 2.99% | 3.23% | 5.40% | 3.48% |\n| Brokered Deposits / Total Deposits | 64.37% | 62.90% | 58.79% | 61.05% | 62.82% | 15.56% | 9.44% |\n| ASSET QUALITY |  |  |  |  |  |  |  |\n| Nonperforming Loans to Total Loans | 1.68% | 1.08% | 1.50% | 0.55% | 0.50% | 1.42% | 1.03% |\n| Nonperforming Assets to Total Assets | 1.52% | 0.92% | 1.31% | 0.49% | 0.43% | 1.18% | 0.81% |\n| Ratios Excluding Loans Wholly or Partially Guaranteed by the U.S Government |  |  |  |  |  |  |  |\n| Nonperforming Loans to Total Loans | 0.90% | 0.61% | 0.60% | 0.33% | 0.28% | 0.53% | 0.31% |\n| Nonperforming Assets to Total Assets | 0.84% | 0.52% | 0.52% | 0.30% | 0.24% | 0.44% | 0.25% |\n| Allowance for credit losses to loans HFI | 0.28% | 0.39% | 0.33% | 0.21% | 0.22% | 0.76% | 0.43% |",
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      "(3) Annualized for nine months ended September 30, 2024 and 2023",
      "(4) Annualized for nine months ended September 30, 2024 and 2023",
      "(5) Annualized for nine months ended September 30, 2024 and 2023",
      "(6) Annualized for nine months ended September 30, 2024 and 2023",
      "(7) Annualized for nine months ended September 30, 2024 and 2023",
      "(8) Annualized for nine months ended September 30, 2024 and 2023",
      "(9) Annualized for nine months ended September 30, 2024 and 2023"
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      "(1) We calculate tangible common equity as stockholders equity less goodwill and intangible assets (net of DTL) and preferred stock. See Non-GAAP Financial Measures for a reconciliation to the comparable GAAP financial measure.",
      "(2) Annualized for interim periods.",
      "(3) We calculate return on average assets as net income before preferred dividends divided by average assets.",
      "(4) We calculate return on average tangible common equity as annualized net income available to common stockholders divided by average tangible common equity. See Non-GAAP Financial Measures for a reconciliation to the comparable GAAP financial measure.",
      "(5) We calculate efficiency ratio as non-interest expense divided by the sum of net interest income and non-interest income.",
      "(6) During 2021 and prior the Company was under the community bank leverage ratio rule.",
      "(7) We calculate tangible common equity / tangible assets as tangible common equity divided by tangible assets (we calculate this as total assets less goodwill and intangible assets, net of DTL). See Non-GAAP Financial Measures for a reconciliation to the comparable GAAP financial measure.",
      "(8) We calculate liquidity ratio as cash and cash equivalents divided by total assets.",
      "(9) We calculate wholesale funding ratio as average brokered CDs plus average FHLB advances divided by average interest-bearing liabilities."
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    "markdown": "| | 2024 | | | 2023 | | |\n| --- | --- | --- | --- | --- | --- | --- |\n| | Retail Banking | Mortgage Warehouse (MPP) | Total | Retail Banking | Mortgage Warehouse (MPP) | Total |\n| Interest Income | $ 153,567 | $ 81,264 | $ 234,831 | $ 140,344 | $ 55,118 | $ 195,462 |\n| Interest Expense | (150,638) | | (150,638) | (120,574) | | (120,574) |\n| Funds Transfer Pricing | 52,584 | (52,584) | | 35,768 | (35,768) | |\n| Net Interest Income | $ 55,513 | $ 28,680 | $ 84,193 | $ 55,539 | $ 19,350 | $ 74,890 |\n| (Credit) Provision for Credit Losses | $ (92) | $ 210 | $ 118 | $ (462) | $ 122 | $ (340) |\n| Net Income after provision | $ 56,605 | $ 28,470 | $ 84,075 | $ 56,000 | $ 19,228 | $ 75,230 |\n| Noninterest Income | $ 55,487 | $ 3,823 | $ 59,310 | $ 87,765 | $ 2,609 | $ 90,374 |\n| Noninterest Expense | (80,775) | (4,380) | (85,155) | (118,277) | (4,946) | (123,223) |\n| Expense Allocation | 2,266 | (2,266) | | 1,802 | (1,802) | |\n| Net Income before Taxes | $ 32,583 | $ 25,647 | $ 58,230 | $ 27,290 | $ 15,089 | $ 42,381 |\n| Income Tax Expense | $ (7,868) | $ (6,193) | $ (14,061) | $ (6,618) | $ (3,658) | $ (10,276) |\n| Net Income | $ 24,715 | $ 19,454 | $ 44,169 | $ 20,674 | $ 11,431 | $ 32,105 |\n| Average Balance Sheet Assets | 3,708,073 | 1,333,791 | 5,041,864 | 3,725,065 | 954,687 | 4,679,752 |\n| Period Ending Assets | 3,714,171 | 1,671,829 | 5,385,999 | 3,791,991 | 1,096,922 | 4,888,913 |",
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    "markdown": "| | September 30, 2024 | December 31, 2023 | December 31, 2022 |\n| --- | --- | --- | --- |\n| Total Assets | $5,385,999 | $4,758,479 | $4,400,346 |\n| Cash and cash equivalents | 440,751 | 351,890 | 274,233 |\n| Equity and debt securities | 9,757 | 16,045 | 16,201 |\n| Other securities | 69,574 | 67,487 | 73,531 |\n| Loans and loans held for sale, net | 4,744,865 | 4,121,347 | 3,814,732 |\n| Mortgage servicing rights | 11,671 | 95,339 | 101,792 |\n| Deposits | 3,531,878 | 2,925,558 | 2,921,300 |\n| Borrowings | 1,308,750 | 1,275,000 | 925,000 |\n| Subordinated debentures | 43,897 | 39,368 | 56,255 |\n| Total Equity Capital | 454,782 | 430,620 | 417,307 |",
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    "markdown": "| | September 30, 2024 | | December 31, 2023 | | December 31, 2022 | |\n| --- | --- | --- | --- | --- | --- | --- |\n| | Amount | % of Total Gross Loans | Amount | % of Total Gross Loans | Amount | % of Total Gross Loans |\n| Residential: | | | | | | |\n| Construction | $ 86,300 | 1.8% | $ 141,326 | 3.4% | $ 148,757 | 3.9% |\n| All-in-One (AIO) | 581,728 | 12.2% | 506,035 | 12.2% | 323,321 | 8.5% |\n| Other Consumer / Home Equity | 99,648 | 2.1% | 106,650 | 2.6% | 103,350 | 2.7% |\n| Residential Mortgage | 1,972,468 | 41.5% | 1,862,325 | 45.1% | 1,648,012 | 43.1% |\n| Commercial | 1,088 | 0.0% | 18,037 | 0.4% | 14,774 | 0.4% |\n| Mortgage Warehouse (MPP) | 1,671,829 | 35.1% | 1,146,826 | 27.7% | 791,919 | 20.7% |\n| Total Loans Held for Investment: | 4,412,061 | 92.7% | 3,781,199 | 91.5% | 3,030,133 | 79.3% |\n| Retail | 345,024 | 7.3% | 352,443 | 8.5% | 520,649 | 13.6% |\n| Correspondent | | 0.0% | | 0.0% | 270,315 | 7.1% |\n| Loans Held for Sale: | 345,024 | 7.3% | 352,443 | 8.5% | 790,964 | 20.7% |\n| Total Gross Loans (HFI and HFS) | $4,757,085 | 100.0% | $4,133,642 | 100.0% | $3,821,097 | 100.0% |",
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    "markdown": "| | Due in 1 Year or less | | Due after 1 Year through 5 years | | Due after 5 Years through 15 years | | Due after 15 years | |  |\n| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |\n| | Fixed Rate | Adjustable Rate | Fixed Rate | Adjustable Rate | Fixed Rate | Adjustable Rate | Fixed Rate | Adjustable Rate | Total |\n| Residential |  |  |  |  |  |  |  |  |  |\n| Construction | $21,089 |  |  |  |  |  | $64,387 | $824 | $86,300 |\n| All-in-One (AIO)(1) |  |  |  |  |  |  |  | 581,728 | 581,728 |\n| Other Consumer / Home Equity(1) |  | 100 |  | 0 |  | 203 |  | 98,345 | 99,648 |\n| Residential Mortgage(2) | 161 | 35 | 338 | 620 | 16,188 | 13,896 | 417,472 | 1,523,758 | 1,972,468 |\n| Commercial | 177 | 172 | 138 | 237 | 119 | 84 | 161 |  | 1,088 |\n| Mortgage Warehouse (MPP) |  | 1,671,829 |  |  |  |  |  |  | 1,671,829 |\n| Total Loans Held for Investment: | 21,427 | 1,672,136 | 476 | 857 | 16,307 | 14,183 | 482,020 | 2,204,655 | 4,412,061 |\n| Retail Loans Held for Sale: |  |  |  |  | 105 |  | 337,513 | 7,406 | 345,024 |\n| Total Gross Loans (HFI and HFS) | $21,427 | $1,672,136 | $476 | $857 | $16,412 | $14,183 | $819,533 | $2,212,061 | $4,757,086 |",
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  {
    "title": "Contractual Loan Maturities as of December 31, 2023",
    "subtitle": "",
    "markdown": "| Loan Type | Due in 1 Year or less Fixed Rate | Due in 1 Year or less Adjustable Rate | Due after 1 Year through 5 years Fixed Rate | Due after 1 Year through 5 years Adjustable Rate | Due after 5 Years through 15 years Fixed Rate | Due after 5 Years through 15 years Adjustable Rate | Due after 15 years Fixed Rate | Due after 15 years Adjustable Rate | Total |\n| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |\n| Residential |  |  |  |  |  |  |  |  |  |\n| Construction | $25,986 | $4,148 |  |  | 110,113 | 1,079 |  |  | 141,326 |\n| All-in-One (AIO)(1) |  |  |  |  |  |  | $506,035 | $506,035 | $506,035 |\n| Other Consumer / Home Equity(1) |  | 186 |  | 204 |  | 106,260 |  |  | 106,650 |\n| Residential Mortgage(2) | 515 | 53 | 337 | 843 | 12,447 | 13,879 | 276,889 | 1,557,362 | 1,862,325 |\n| Commercial | 89 | 16,738 | 331 | 262 | 175 | 278 | 164 |  | 18,037 |\n| Mortgage Warehouse (MPP) |  | 1,146,826 |  |  |  |  |  |  | 1,146,826 |\n| Total | 26,590 | 1,163,803 | 4,816 | 1,105 | 12,622 | 14,361 | 387,166 | 2,170,736 | 3,781,199 |\n| Retail Loans Held for Sale: |  |  |  |  | 2,694 |  | 332,135 | 17,614 | 352,443 |\n| Total Gross Loans (HFI and HFS) | $9,107 | $1,163,803 | $4,816 | $1,105 | $15,316 | $14,361 | $719,301 | $2,188,350 | $4,133,642 |",
    "footnotes": [
      "AIO and Other Consumer / Home Equity are aggregated into Home equity lines of credit loans within the tables in our consolidated financial statements.",
      "Residential Mortgage loans consist of Closed end first liens, Closed end second liens, and Land development loans."
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  {
    "title": "Nonperforming Assets",
    "subtitle": "",
    "markdown": "| | September 30, 2024 | December 31, 2023 | December 31, 2022 |\n| --- | --- | --- | --- |\n| Nonaccrual Loans(1): |  |  |  |\n| Commercial |  |  | 20 |\n| Construction | 1,674 | 2,201 | 223 |\n| Land Development | 2,488 | 2,201 | 588 |\n| Home Equity Lines of Credit | 6,231 | 3,597 | 619 |\n| First Lien Mortgage | 21,953 | 12,501 | 9,379 |\n| First Lien Mortgage Wholly or Partially Guaranteed by the U.S Government | 37,064 | 12,525 | 5,095 |\n| Junior Lien Mortgage | 1,295 | 726 | 422 |\n| Mortgage Warehouse (MPP) | 70,705 | 33,751 | 16,346 |\n| Loans Past Due 90 Days or More and Still Accruing(1): |  |  |  |\n| Commercial |  |  |  |\n| Construction |  |  |  |\n| Land Development |  |  |  |\n| Home Equity Lines of Credit | 235 | 497 |  |\n| First Lien Mortgage | 8,264 | 2,785 | 1,432 |\n| First Lien Mortgage Wholly or Partially Guaranteed by the U.S Government | 171 | 25,171 | 3,214 |\n| Junior Lien Mortgage | 542 |  | 80 |\n| Mortgage Warehouse (MPP) | 9,212 | 28,453 | 4,726 |\n| Total Nonperforming Loans | 79,917 | 62,204 | 21,072 |\n| Other Real Estate Owned | 1,990 | 24 | 551 |\n| Total Nonperforming Assets | 81,907 | 62,228 | 21,623 |\n| Nonaccrual Loans to Total Loans | 1.49% | 0.82% | 0.43% |\n| Nonperforming Loans to Total Loans | 1.68% | 1.50% | 0.55% |",
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  {
    "title": "Nonperforming Assets and Allowance for Credit Losses Ratios",
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    "markdown": "| | September 30, 2024 | December 31, 2023 | December 31, 2022 |\n| --- | --- | --- | --- |\n| Nonperforming Assets to Total Assets | 1.52% | 1.31% | 0.49% |\n| Allowance for Credit Losses to Nonaccrual Loans | 17.28% | 36.43% | 38.94% |\n| Ratios Excluding Loans Wholly or Partially Guaranteed by the U.S Government | | | |\n| Nonaccrual Loans to Total Loans | 0.71% | 0.51% | 0.29% |\n| Nonperforming Loans to Total Loans | 0.90% | 0.60% | 0.33% |\n| Nonperforming Assets to Total Assets | 0.84% | 0.52% | 0.30% |\n| Allowance for Credit Losses to Nonaccrual Loans | 36.32% | 57.92% | 56.57% |",
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    "title": "Allowance for Credit Losses by Loan Category",
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    "markdown": "| | September 30, 2024 | | December 31, 2023 | | December 31, 2022 | |\n| --- | --- | --- | --- | --- | --- | --- |\n| | Dollars | % of Total | Dollars | % of Total | Dollars | % of Total |\n| Collectively Allocated for Impairment: | | | | | | |\n| Commercial & Other | $ 20 | 0.2% | $ 52 | 0.4% | $ 53 | 0.8% |\n| Construction | 553 | 4.5% | 488 | 4.0% | 98 | 1.5% |\n| Land Development | 1,128 | 9.2% | 1,607 | 13.1% | 581 | 9.1% |\n| Home Equity Lines of Credit | 2,113 | 17.3% | 2,039 | 16.6% | 1,119 | 17.6% |\n| First Lien Mortgage | 5,013 | 41.0% | 5,246 | 42.7% | 2,065 | 32.4% |\n| Junior Lien Mortgage | 1,859 | 15.2% | 2,211 | 18.0% | 1,226 | 19.3% |\n| Mortgage Warehouse (MPP) | 669 | 5.5% | 458 | 3.7% | 317 | 5.0% |\n| | 11,355 | 92.9% | 12,101 | 98.4% | 5,459 | 85.8% |\n| Individually Allocated for Impairment | 863 | 7.1% | 150 | 1.2% | 844 | 13.3% |\n| Unallocated | 2 | 0.0% | 44 | 0.4% | 62 | 1.0% |\n| | 865 | 7.1% | 194 | 1.6% | 906 | 14.2% |\n| Total Allowance for Credit Losses | $12,220 | 100.0% | $12,295 | 100.0% | $6,365 | 100.0% |",
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  {
    "title": "Total Allowance for Credit Losses",
    "subtitle": "The following table provides an analysis of the activity in our allowance for the periods indicated:",
    "markdown": "| | For the nine months ended September 30, 2024 | For the nine months ended September 30, 2024 | For the Years Ended December 31, 2023 | For the Years Ended December 31, 2023 | For the Years Ended December 31, 2022 | For the Years Ended December 31, 2022 |\n| --- | --- | --- | --- | --- | --- | --- |\n| | Activity | % of Loans Held for Investment(1) | Activity | % of Loans Held for Investment | Activity | % of Loans Held for Investment |\n| Loans held for investment | $4,412,061 | | $3,781,199 | | $3,030,133 | |\n| Beginning allowance for credit losses | 12,295 | | 6,365 | | 3,886 | |\n| Net (charge-offs) recoveries: | | | | | | |\n| Commercial & Other | 116 | 4.75% | 55 | 1.07% | 101 | 2.12% |\n| Construction | (178) | -0.16% | (482) | -0.23% | 12 | 0.01% |\n| Land Development | | 0.00% | | 0.00% | | 0.00% |\n| Home Equity Lines of Credit | (1,045) | -0.24% | (183) | -0.04% | | 0.00% |\n| First Lien Mortgage | (27) | 0.00% | (156) | -0.01% | 150 | 0.01% |\n| Junior Lien Mortgage | (152) | -0.23% | (42) | -0.05% | | 0.00% |",
    "footnotes": [
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  {
    "title": "Mortgage Warehouse (MPP) and related credit metrics for nine months ended September 30, 2024 and years ended December 31, 2023 and 2022",
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    "markdown": "| | For the nine months ended September 30, 2024 | For the nine months ended September 30, 2024 | For the Years Ended December 31, 2023 | For the Years Ended December 31, 2023 | For the Years Ended December 31, 2022 | For the Years Ended December 31, 2022 |\n| --- | --- | --- | --- | --- | --- | --- |\n| | Activity | % of Loans Held for Investment (1) | Activity | % of Loans Held for Investment | Activity | % of Loans Held for Investment |\n| Mortgage Warehouse (MPP) | | 0.00% | | 0.00% | | 0.00% |\n| Total net (charge-offs) recoveries | (1,286) | | (808) | | 263 | |\n| Provision for credit losses | 1,211 | | (2,569) | | 2,216 | |\n| Impact of Adopting ASC 326 | | | 9,307 | | | |\n| Ending allowance for credit losses | $ 12,220 | | $ 12,295 | | $ 6,365 | |\n| Allowance for credit losses to loans held for investment | 0.28% | | 0.33% | | 0.21% | |\n| Net charge-offs (recoveries) to Average Loans (1) | -0.04% | | -0.02% | | 0.01% | |",
    "footnotes": [
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    "title": "The carrying value of our investment portfolio as of the dates indicated",
    "subtitle": "",
    "markdown": "| | September 30, 2024 | | December 31, 2023 | | December 31, 2022 | |\n| --- | --- | --- | --- | --- | --- | --- |\n| | Carrying Value | % of Total | Carrying Value | % of Total | Carrying Value | % of Total |\n| Available for sale securities: | | | | | | |\n| Corporate Debt | 8,411 | 100.0% | 14,727 | 100.0% | 9,087 | 61.0% |\n| Total available for sale securities | 8,411 | 100.0% | 14,727 | 100.0% | 9,087 | 61.0% |\n| Held to maturity securities: | | | | | | |\n| Corporate Debt | | 0.0% | | 0.0% | 5,814 | 39.0% |\n| Total held to maturity securities | | 0.0% | | 0.0% | 5,814 | 39.0% |\n| Total investment securities | 8,411 | 100.0% | 14,727 | 100.0% | 14,901 | 100.0% |",
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    "title": "The following table presents the par value of our debt securities by their stated maturities, as well as the weighted average yields for each maturity range as of the dates indicated:",
    "subtitle": "",
    "markdown": "| | Due in 1 Year or Less | Due after 1 Year through 5 Years | Due after 5 Years through 10 Years | Due after 10 Years | Total |\n| --- | --- | --- | --- | --- | --- |\n| | Par Value | Weighted Avg Yield(1) | Par Value | Weighted Avg Yield(1) | Par Value | Weighted Avg Yield(1) | Par Value | Weighted Avg Yield(1) | Par Value | Weighted Avg Yield(1) |\n| September 30, 2024 |  |  |  |  |  |  |  |  |  |  |\n| Available for sale securities: |  |  |  |  |  |  |  |  |  |  |\n| Corporate Debt |  |  |  |  | $9,000 | 6.63% |  |  | $9,000 | 6.63% |\n| Total available for sale securities |  |  |  |  | 9,000 | 6.63% |  |  | 9,000 | 6.63% |\n| Held to maturity securities: |  |  |  |  |  |  |  |  |  |  |\n| Corporate Debt |  |  |  |  |  |  |  |  |  |  |\n| Total held to maturity securities |  |  |  |  |  |  |  |  |  |  |\n| Total investment securities |  |  |  |  | $9,000 | 6.63% |  |  | $9,000 | 6.63% |",
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    "title": "Debt Securities Par Value and Weighted Average Yields by Maturity Range as of December 31, 2023",
    "subtitle": "December 31, 2023",
    "markdown": "| | Due in 1 Year or Less | Due after 1 Year through 5 Years | Due after 5 Years through 10 Years | Due after 10 Years | Total |\n| --- | --- | --- | --- | --- | --- |\n| | Par Value | Weighted Avg Yield(1) | Par Value | Weighted Avg Yield(1) | Par Value | Weighted Avg Yield(1) | Par Value | Weighted Avg Yield(1) | Par Value | Weighted Avg Yield(1) |\n| Available for sale securities: |  |  |  |  |  |  |  |  |  |  |\n| Corporate Debt |  |  | $5,000 | 6.00% | $5,000 | 6.00% | $5,500 | 5.40% | $15,500 | 5.79% |\n| Total available for sale securities |  |  | 5,000 | 6.00% | 5,000 | 6.00% | 5,500 | 5.40% | 15,500 | 5.79% |\n| Held to maturity securities: |  |  |  |  |  |  |  |  |  |  |\n| Corporate Debt |  |  |  |  |  |  |  |  |  |  |\n| Total held to maturity securities |  |  |  |  |  |  |  |  |  |  |\n| Total investment securities |  |  | $5,000 | 6.00% | $5,000 | 6.00% | $5,500 | 5.40% | $15,500 | 5.79% |",
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    "title": "Investment Securities Maturity Schedule",
    "subtitle": "December 31, 2022",
    "markdown": "| | Due in 1 Year or Less | Due after 1 Year through 5 Years | Due after 5 Years through 10 Years | Due after 10 Years | Total |\n| --- | --- | --- | --- | --- | --- |\n| | Par Value | Weighted Avg Yield(1) | Par Value | Weighted Avg Yield(1) | Par Value | Weighted Avg Yield(1) | Par Value | Weighted Avg Yield(1) | Par Value | Weighted Avg Yield(1) |\n| Available for sale securities: |  |  |  |  |  |  |  |  |  |  |\n| Corporate Debt | \u2014 | \u2014 | $5,000 | 6.00% | $5,000 | 6.00% | $5,500 | 5.40% | $15,500 | 5.79% |\n| Total available for sale securities | \u2014 | \u2014 | 5,000 | 6.00% | 5,000 | 6.00% | 5,500 | 5.40% | 15,500 | 5.79% |\n| Held to maturity securities: |  |  |  |  |  |  |  |  |  |  |\n| Corporate Debt | \u2014 | \u2014 | \u2014 | \u2014 | \u2014 | \u2014 | \u2014 | \u2014 | \u2014 | \u2014 |\n| Total held to maturity securities | \u2014 | \u2014 | \u2014 | \u2014 | \u2014 | \u2014 | \u2014 | \u2014 | \u2014 | \u2014 |\n| Total investment securities | \u2014 | \u2014 | $5,000 | 6.00% | $5,000 | 6.00% | $5,500 | 5.40% | $15,500 | 5.79% |",
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    "title": "Deposit Composition by Average Deposits and Average Rates Paid",
    "subtitle": "For the periods indicated",
    "markdown": "| | September 30, 2024 | | | December 31, 2023 | | | December 31, 2022 | | |\n| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |\n| | Average Amount | Weighted Avg Rate Paid | Percent of Total Deposits | Average Amount | Weighted Avg Rate Paid | Percent of Total Deposits | Average Amount | Weighted Avg Rate Paid | Percent of Total Deposits |\n| Noninterest bearing demand | $ 251,850 | 0.00% | 8% | $ 286,569 | 0.00% | 10% | $ 385,919 | 0.00% | 14% |\n| Interest bearing demand | 395,765 | 4.93% | 12% | 233,199 | 5.13% | 8% | 400,482 | 1.30% | 15% |\n| Savings & money market | 395,580 | 4.43% | 12% | 434,395 | 3.62% | 14% | 548,484 | 1.58% | 20% |\n| Time | 2,131,676 | 5.26% | 67% | 2,044,351 | 4.71% | 68% | 1,344,343 | 1.95% | 50% |\n| Total deposits | $3,174,871 | 4.70% | 100% | $2,998,514 | 4.13% | 100% | $2,679,228 | 1.50% | 100% |",
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    "title": "Maturity of Time Deposits",
    "subtitle": "September 30, 2024",
    "markdown": "| | Three Months or Less | Three to Six Months | Six to Twelve Months | After Twelve Months | Total |\n| --- | --- | --- | --- | --- | --- |\n| Brokered CDs | $2,186,208 | $ | $ | $87,330 | $2,273,538 |\n| All other CDs | 68,431 | 40,479 | 90,522 | 123,387 | 322,819 |\n| Total Time deposits | $2,254,639 | $40,479 | $90,522 | $210,717 | $2,596,357 |",
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  {
    "title": "Time deposits by maturity - December 31, 2023",
    "subtitle": "",
    "markdown": "| December 31, 2023 | Three Months or Less | Three to Six Months | Six to Twelve Months | After Twelve Months | Total |\n| --- | --- | --- | --- | --- | --- |\n| Brokered CDs | $1,381,776 | $ | $ | $87,330 | $1,469,106 |\n| All other CDs | 84,987 | 17,964 | 71,341 | 60,477 | 234,769 |\n| Total Time deposits | $1,466,763 | $17,964 | $71,341 | $147,807 | $1,703,875 |",
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    "title": "INDEX TO CONSOLIDATED FINANCIAL STATEMENTS",
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    "markdown": "| | Page |\n| --- | --- |\n| REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM | F-2 |\n| CONSOLIDATED BALANCE SHEETS AS OF DECEMBER 31, 2023 AND 2022 | F-3 |\n| CONSOLIDATED STATEMENTS OF INCOME FOR THE YEARS ENDED DECEMBER 31, 2023 AND 2022 | F-4 |\n| CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME FOR THE YEARS ENDED DECEMBER 31, 2023 AND 2022 | F-5 |\n| CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS EQUITY FOR THE YEARS ENDED DECEMBER 31, 2023 AND 2022 | F-6 |\n| CONSOLIDATED STATEMENTS OF CASH FLOWS FOR THE YEARS ENDED DECEMBER 31, 2023 AND 2022 | F-7 |\n| NOTES TO CONSOLIDATED FINANCIAL STATEMENTS | F-8 |\n| INTERIM (UNAUDITED) CONSOLIDATED BALANCE SHEETS AS OF SEPTEMBER 30, 2024 | F-49 |\n| INTERIM (UNAUDITED) CONSOLIDATED STATEMENTS OF INCOME FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2024 AND 2023 | F-50 |\n| INTERIM (UNAUDITED) CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2024 AND 2023 | F-51 |\n| INTERIM (UNAUDITED) CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS EQUITY FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2024 | F-52 |\n| INTERIM (UNAUDITED) CONSOLIDATED STATEMENTS OF CASH FLOWS FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2024 AND 2023 | F-53 |\n| NOTES TO CONSOLIDATED FINANCIAL STATEMENTS | F-54 |",
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    "title": "Northpointe Bancshares, Inc.",
    "subtitle": "Consolidated Balance Sheets December 31, 2023 and 2022",
    "markdown": "| | 2023 | 2022 |\n| --- | --- | --- |\n| Assets |  |  |\n| Cash and cash equivalents | $ 351,890 | $ 274,233 |\n| Equity securities | 1,318 | 1,300 |\n| Debt securities available for sale (Note 19) | 14,727 | 9,087 |\n| Debt securities held to maturity, fair value of $6,276 as of December 31, 2022 |  | 5,814 |\n| Other securities | 67,487 | 73,531 |\n| Loans held for sale, at fair value | 352,443 | 790,964 |\n| Loans, net of allowance for credit losses of $12,295 and $6,365 as of December 31, 2023 and 2022, respectively Note 3) | 3,768,904 | 3,023,768 |\n| Mortgage servicing rights (Note 5) | 95,339 | 101,792 |\n| Intangible assets, net | 4,541 | 5,699 |\n| Premises and equipment (Note 4) | 29,296 | 29,573 |\n| Other assets (Note 6) | 72,534 | 84,585 |\n| Total Assets | $4,758,479 | $4,400,346 |\n| Liabilities and Stockholders Equity |  |  |\n| Liabilities |  |  |\n| Deposits: (Note 7) |  |  |\n| Noninterest-bearing | $ 253,143 | $ 342,585 |\n| Interest-bearing | 2,672,415 | 2,578,715 |\n| Total Deposits | 2,925,558 | 2,921,300 |\n| Borrowings (Note 8) | 1,275,000 | 925,000 |\n| Subordinated debentures (Note 11) | 34,368 | 51,255 |\n| Subordinated debentures issues through trusts (Note 12) | 5,000 | 5,000 |\n| Deferred tax liability | 24,132 | 28,419 |\n| Other liabilities | 63,801 | 52,065 |\n| Total Liabilities | 4,327,859 | 3,983,039 |\n| Stockholders Equity |  |  |\n| Preferred Stock Non-Cumulative No Par Value; 5,000,000 shares authorized |  |  |\n| Series A 95,000 shares issued and outstanding at 2023 and 2022 with a liquidation preference of $95,000 |  |  |\n| Series B 25,000 shares issued and outstanding at 2023 and 2022 with a liquidation preference of $25,000 |  |  |\n| Common Stock No Par Value |  |  |\n| Authorized 101,500,000; shares issued and outstanding 25,689,560 and 25,745,560 shares at 2023 and 2022, respectively |  |  |\n| Additional paid in capital | 180,046 | 180,662 |\n| Retained earnings | 251,375 | 237,331 |\n| Accumulated other comprehensive loss | (801) | (686) |\n| Total Stockholders Equity | 430,620 | 417,307 |\n| Total Liabilities and Stockholders Equity | $4,758,479 | $4,400,346 |",
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    "markdown": "| | Preferred Stock, Series A Shares | Preferred Stock, Series B Shares | Common Stock, Number of Shares | Additional Paid-in Capital | Retained Earnings | Accumulated Other Comprehensive (Loss) Income | Total |\n| --- | --- | --- | --- | --- | --- | --- | --- |\n| Balance January 1, 2022 | 95,000 | 25,000 | 25,824,610 | $181,915 | $231,503 | $ 205 | $413,623 |\n| Net Income | | | | | 23,239 | | 23,239 |\n| Other comprehensive loss | | | | | | (891) | (891) |\n| Dividends declared ($0.30 per share) | | | | | (7,753) | | (7,753) |\n| Treasury stock repurchase | | | (110,000) | (1,496) | | | (1,496) |\n| Stock options exercised | | | 15,950 | 39 | | | 39 |\n| Stock issued | | | 15,000 | 204 | | | 204 |\n| Preferred stock dividends | | | | | (9,658) | | (9,658) |\n| Balance December 31, 2022 | 95,000 | 25,000 | 25,745,560 | $180,662 | $237,331 | $(686) | $417,307 |\n| Net Income | | | | | 33,762 | | 33,762 |\n| Adoption of ASC 326, Credit Losses | | | | | (7,495) | | (7,495) |\n| Other comprehensive loss | | | | | | (115) | (115) |\n| Dividends declared ($0.10 per share) | | | | | (2,573) | | (2,573) |\n| Treasury stock repurchase | | | (56,000) | (616) | | | (616) |\n| Preferred stock dividends | | | | | (9,650) | | (9,650) |\n| Balance December 31, 2023 | 95,000 | 25,000 | 25,689,560 | $180,046 | $251,375 | $(801) | $430,620 |",
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    "markdown": "| | 2023 | 2022 |\n| --- | --- | --- |\n| Cash Flows from Operating Activities |  |  |\n| Net Income | $ 33,762 | $ 23,239 |\n| Adjustments to reconcile consolidated net income to net cash and cash equivalents provided by (used in) operating activities: |  |  |\n| Depreciation | 2,996 | 2,998 |\n| (Credit) provision for credit losses | (1,485) | 2,216 |\n| Intangible asset impairment | 137 |  |\n| Amortization of intangible asset | 1,021 | 1,021 |\n| Amortization of bond premium | 10 | 7 |\n| Amortization of debt issuance costs | 363 | 176 |\n| Net gain on sale of loans held for sale | (77,976) | (109,951) |\n| Proceeds from sales of loans held for sale | 3,342,689 | 8,084,915 |\n| Origination of mortgage loans held for sale | (2,814,414) | (6,653,764) |\n| Net gain on sales of other real estate | (46) | (42) |\n| Net loss on disposal of premises and equipment | 90 | 184 |\n| Net loss on sale of mortgage servicing rights |  | 5,405 |\n| MSR Change in fair value | 14,017 | (18,078) |\n| Deferred tax expense | (1,884) | 8,036 |\n| Change in fair value of equity securities | (18) | 170 |\n| Change in mortgage banking derivatives | 2,614 | 14,104 |\n| Net change in: |  |  |\n| Other assets | 5,731 | (6,526) |\n| Accrued and other liabilities | (3,439) | (2,476) |\n| Net cash and cash equivalents provided by operating activities | 504,168 | 1,351,634 |\n| Cash Flows from Investing Activities |  |  |\n| Purchase of FHLB stock | (2,064) |  |\n| Redemption of FHLB stock | 8,108 | 5,399 |\n| Purchase of available for sale debt securities |  | (5,821) |\n| Purchase of mortgage servicing rights | (2,723) | (1,704) |\n| Proceeds from sales of other real estate | 790 | 1,287 |\n| Purchases of premises and equipment | (2,809) | (3,392) |\n| Net increase in portfolio loans | (752,092) | (1,198,726) |\n| Contributions from Lender Risk Account | (1,572) | (817) |\n| Proceeds from Lender Risk Account | 1,682 | 2,527 |\n| Proceeds from sale of mortgage servicing rights |  | 26,000 |\n| Net cash and cash equivalents used in investing activities | (750,680) | (1,175,247) |\n| Cash Flows from Financing Activities |  |  |\n| Net change in deposits | 4,258 | (14,093) |\n| Cash dividends paid on common stock | (2,573) | (7,753) |\n| Subordinated debt call and repayment | (17,250) |  |\n| Advances of FHLB borrowings | 350,000 | 1,265,000 |\n| Repayment of FHLB borrowings |  | (1,587,000) |\n| Proceeds from issuance of common stock |  | 204 |\n| Preferred stock dividend | (9,650) | (9,658) |\n| Stock repurchased | (616) | (1,496) |\n| Proceeds from exercised stock options |  | 39 |\n| Net cash and cash equivalents provided by (used in) financing activities | 324,169 | (354,757) |\n| Net Increase (Decrease) in Cash and Cash Equivalents | 77,657 | (178,370) |\n| Cash and Cash Equivalents Beginning of year | 274,233 | 452,603 |\n| Cash and Cash Equivalents End of year | $ 351,890 | $ 274,233 |\n| Supplemental Cash Flow Information |  |  |\n| Cash paid for: |  |  |\n| Interest | $ 164,197 | $ 63,511 |\n| Income taxes | 3,275 | 2,270 |\n| Non-cash supplemental information: |  |  |\n| Rebooked GNMA loans over 90 days | 19,966 | 5,475 |\n| Loans transferred to other real estate | 217 | 1,590 |\n| Loans transferred from loans held for sale to portfolio loans | 241,556 | 61,708 |\n| Loans transferred from portfolio to loans held for sale | 119,344 |  |\n| Adoption of ASC 326 | 7,495 |  |",
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    "markdown": "|  | As Reported Under ASC 326 | Pre-ASC 326 Adoption | Impact of ASC 326 Adoption |\n| --- | --- | --- | --- |\n|  | January 1, 2023 | January 1, 2023 | January 1, 2023 |\n| Assets: |  |  |  |\n| Allowance for credit losses on loans | $15,672 | $6,365 | $ 9,307 |\n| Allowance for credit losses on debt securities held to maturity | 3 |  | 3 |\n| Allowance for credit losses on accounts receivable | 30 |  | 30 |\n| Liabilities: |  |  |  |\n| Allowance for credit losses on unfunded credit commitments | 508 |  | 508 |\n| Gross Total | 16,213 | 6,365 | 9,848 |\n| Deferred tax liability | (2,353) |  | (2,353) |\n| Retained Earnings | $13,860 | $6,365 | $ 7,495 |",
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    "title": "Activity in the allowance for credit losses for 2023 is summarized as follows (000s omitted):",
    "subtitle": "Year Ended December 31, 2023",
    "markdown": "| | Residential | Commercial | Warehouse lending | Unallocated | Total |\n| --- | --- | --- | --- | --- | --- |\n| Beginning balance, prior to adoption of ASC 326 | $ 5,908 | $ 78 | $317 | $ 62 | $ 6,365 |\n| Impact of adopting ASC 326 | 9,403 | (38) | | (58) | 9,307 |\n| Charge-offs | (932) | | | | (932) |\n| Recoveries | 66 | 58 | | | 124 |\n| Provision | (2,703) | (47) | 141 | 40 | (2,569) |\n| Ending balance | $11,742 | $ 51 | $458 | $ 44 | $12,295 |",
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    "title": "Activity in the allowance for loan losses for 2022 is summarized as follows (000s omitted):",
    "subtitle": "Year Ended December 31, 2022",
    "markdown": "| | Residential | Commercial | Warehouse lending | Unallocated | Total |\n| --- | --- | --- | --- | --- | --- |\n| Beginning balance | $ 3,732 | $ 40 | $ 114 | $ | $ 3,886 |\n| Charge-offs | (7 ) | | | | (7 ) |\n| Recoveries | 162 | 108 | | | 270 |\n| Provision | 2,021 | (70 ) | 203 | 62 | 2,216 |\n| Ending balance | $ 5,908 | $ 78 | $ 317 | $ 62 | $ 6,365 |\n| Ending allowance balance attributable to loans: | | | | | |\n| Individually evaluated for impairment | $ 816 | $ 28 | $ | $ | $ 844 |\n| Collectively evaluated for impairment | 5,092 | 50 | 317 | 62 | 5,521 |",
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    "title": "Note 3 Loans and Allowance for Credit Losses (continued)",
    "subtitle": "Year Ended December 31, 2022",
    "markdown": "| | Residential | Commercial | Warehouse lending | Unallocated | Total |\n| --- | --- | --- | --- | --- | --- |\n| Ending allowance balance | $ 5,908 | $ 78 | $ 317 | $ 62 | $ 6,365 |\n| Loans and leases (net of deferred loan fees): |  |  |  |  |  |\n| Individually evaluated for impairment | $ 13,897 | $ 382 | $ | $ | $ 14,279 |\n| Collectively evaluated for impairment | 2,158,631 | 14,392 | 791,919 |  | 2,964,942 |\n| Total loans and leases (net of deferred loan fees) | $2,172,528 | $14,774 | $791,919 | $ | $2,979,221 |",
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    "title": "As of and for the Year Ended December 31, 2022",
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    "markdown": "| | Recorded Investment | Unpaid Principal Balance | Related Allowance | Average Recorded Investment for the Year | Interest Income Recognized for the Year |\n| --- | --- | --- | --- | --- | --- |\n| With no related allowance recorded: |  |  |  |  |  |\n| Residential: |  |  |  |  |  |\n| Construction and land development | $ 983 | $ 1,449 | $ | $1,086 | $ 72 |\n| Home equity lines of credit | 869 | 872 |  | 727 | 15 |\n| Closed end, first liens | 7,120 | 7,830 |  | 6,938 | 135 |\n| Closed end, second liens | 501 | 527 |  | 519 | 8 |\n| Commercial | (13) | 63 |  | 9 |  |\n| Total | $9,460 | $10,741 | $ | $9,279 | $230 |\n| With an allowance recorded: |  |  |  |  |  |\n| Residential: |  |  |  |  |  |\n| Construction and land development | $ 471 | $ 481 | $110 | $ 470 | $ 29 |\n| Closed end, first liens | 3,953 | 3,985 | 706 | 4,026 | 250 |\n| Commercial | 395 | 395 | 28 | 421 | 24 |\n| Total | $4,819 | $ 4,861 | $844 | $4,917 | $303 |",
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    "title": "As of and for the Year Ended December 31, 2023",
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    "markdown": "| | Nonaccrual with No Allowance | Nonaccrual with Allowance | Total Nonaccrual | Over 90 days Accruing | Total |\n| --- | --- | --- | --- | --- | --- |\n| Residential: | | | | | |\n| Construction and land development | $ 4,200 | $ 202 | $ 4,402 | $ | $ 4,402 |\n| Home equity lines of credit | 2,977 | 620 | 3,597 | 497 | 4,094 |\n| Closed end, first liens | 12,459 | 1,468 | 13,927 | 3,298 | 17,225 |\n| Closed end, second liens | 726 | | 726 | | 726 |\n| Total | $20,362 | $2,290 | $22,652 | $3,795 | $26,447 |",
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    "title": "Loans on nonaccrual status at December 31, 2022, by loan segment and class",
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    "markdown": "| | 2022 |\n| --- | --- |\n| Residential: | |\n| Construction and land development | $ 588 |\n| Home equity lines of credit | 619 |\n| Closed end, first liens | 6,928 |\n| Closed end, second liens | 422 |\n| Commercial | 20 |\n| Total | $8,577 |",
    "footnotes": [
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    "title": "Note 3 Loans and Allowance for Credit Losses (continued)",
    "subtitle": "2023",
    "markdown": "| Collateral Type | Real Estate | Other | Allowance Allocated |\n| --- | --- | --- | --- |\n| Residential: |  |  |  |\n| Construction and land development | $ 3,976 | $ | $ 6 |\n| Home equity lines of credit | 3,414 |  | 14 |\n| Closed end, first liens | 8,119 |  |  |\n| Closed end, second liens | 662 |  |  |\n| Total | $16,171 | $ | $20 |",
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    "title": "Age Analysis of Loans",
    "subtitle": "December 31, 2023",
    "markdown": "| | 30 59 Days Past Due | 60 89 Days Past Due | Greater than 90 Days | Total Past Due | Current | Total Loans |\n| --- | --- | --- | --- | --- | --- | --- |\n| Residential: |  |  |  |  |  |  |\n| Construction and land development | $ 3,874 | $1,883 | $ 3,670 | $ 9,427 | $ 337,713 | $ 347,140 |\n| Home equity lines of credit | 4,164 | 884 | 3,861 | 8,909 | 603,776 | 612,685 |\n| Closed end, first liens | 10,886 | 4,721 | 11,416 | 27,023 | 1,439,879 | 1,466,902 |\n| Closed end, second liens | 1,934 | 211 | 662 | 2,807 | 86,644 | 89,451 |\n| Commercial |  |  |  |  | 18,037 | 18,037 |\n| Warehouse lending |  |  |  |  | 1,146,826 | 1,146,826 |\n| Total | $20,858 | $7,699 | $19,609 | $48,166 | $3,632,875 | $3,681,041 |",
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    "title": "Loan Portfolio Aging",
    "subtitle": "December 31, 2022",
    "markdown": "| | 30 59 Days Past Due | 60 89 Days Past Due | Greater than 90 Days | Total Past Due | Current | Total Loans |\n| --- | --- | --- | --- | --- | --- | --- |\n| Residential: |  |  |  |  |  |  |\n| Construction and land development | $ 2,296 | $ 161 | $ 101 | $ 2,558 | $ 325,589 | $ 328,147 |\n| Home equity lines of credit | 1,371 | 203 | 799 | 2,373 | 424,298 | 426,671 |\n| Closed end, first liens | 8,773 | 2,601 | 7,139 | 18,513 | 1,322,494 | 1,341,007 |\n| Closed end, second liens | 392 | 387 | 80 | 859 | 75,844 | 76,703 |\n| Commercial |  |  |  |  | 14,774 | 14,774 |\n| Warehouse lending |  |  |  |  | 791,919 | 791,919 |\n| Total | $12,832 | $3,352 | $8,119 | $24,303 | $2,954,918 | $2,979,221 |",
    "footnotes": [
      "Modifications to Borrowers Experiencing Financial Difficulty"
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    "units": "(in thousands)",
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    "title": "Note 3 Loans and Allowance for Credit Losses (continued)",
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    "markdown": "| | 2023 | 2022 | 2021 | 2020 | 2019 | Prior | Revolving Loans Amortized Cost Basis | Total |\n| --- | --- | --- | --- | --- | --- | --- | --- | --- |\n| Construction and Land Development: |  |  |  |  |  |  |  |  |\n| Performing | $105,297 | $153,972 | $53,048 | $17,445 | $2,749 | $10,227 | $ | $342,738 |\n| Nonperforming | 1,026 | 2,010 | 664 | 227 |  | 475 |  | 4,402 |\n| Total | 106,323 | 155,982 | 53,712 | 17,672 | 2,749 | 10,702 |  | 347,140 |\n| Gross charge-offs |  | 459 |  |  |  | 29 |  | 488 |\n| Home Equity Lines of credit: |  |  |  |  |  |  |  |  |\n| Performing |  |  |  |  |  |  | 609,088 | 609,088 |\n| Nonperforming |  |  |  |  |  |  | 3,597 | 3,597 |\n| Total |  |  |  |  |  |  | 612,685 | 612,685 |\n| Gross charge-offs |  | 103 | 80 |  |  |  |  | 183 |\n| First liens, closed end loans: |  |  |  |  |  |  |  |  |\n| Performing | 83,332 | 1,071,789 | 163,674 | 49,965 | 39,056 | 45,159 |  | 1,452,975 |\n| Nonperforming |  | 4,849 | 1,670 | 1,860 | 1,877 | 3,671 |  | 13,927 |\n| Total | 83,332 | 1,076,638 | 165,344 | 51,825 | 40,933 | 48,830 |  | 1,466,902 |\n| Gross charge-offs |  | 192 |  |  |  | 25 |  | 217 |\n| Second liens, closed end loans: |  |  |  |  |  |  |  |  |\n| Performing | 19,864 | 36,846 | 10,472 | 10,317 | 5,034 | 6,192 |  | 88,725 |\n| Nonperforming |  | 198 | 63 |  | 235 | 230 |  | 726 |\n| Total | 19,864 | 37,044 | 10,535 | 10,317 | 5,269 | 6,422 |  | 89,451 |\n| Gross charge-offs |  | 44 |  |  |  |  |  | 44 |\n| Commercial: |  |  |  |  |  |  |  |  |\n| Risk Rating |  |  |  |  |  |  |  |  |\n| Pass |  | 413 |  |  |  | 378 | 17,021 | 17,812 |\n| Special mention |  |  |  |  | 198 | 27 |  | 225 |\n| Total |  | 413 |  |  | 198 | 405 | 17,021 | 18,037 |\n| Gross charge-offs |  |  |  |  |  |  |  |  |\n| Warehouse lending: |  |  |  |  |  |  |  |  |\n| Risk Rating |  |  |  |  |  |  |  |  |\n| Pass |  |  |  |  |  |  | 1,129,764 | 1,129,764 |\n| Special mention |  |  |  |  |  |  | 17,062 | 17,062 |\n| Total |  |  |  |  |  |  | 1,146,826 | 1,146,826 |\n| Gross charge-offs |  |  |  |  |  |  |  |  |\n| Grand Total | $209,519 | $1,270,077 | $229,591 | $79,814 | $49,149 | $66,359 | $1,776,532 | $3,681,041 |\n| Grand Total Gross charge-offs | $ | $798 | $80 | $ | $ | $54 | $ | $932 |",
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    "title": "Note 3 Loans and Allowance for Credit Losses (continued)",
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    "markdown": "| Loan Category | Performing | Non-performing | Pass | Special Mention | Substandard | Total |\n| --- | --- | --- | --- | --- | --- | --- |\n| Residential: |  |  |  |  |  |  |\n| Construction and land development | $ 327,559 | $ 588 | $ | $ | $ | $ 328,147 |\n| Home equity lines of credit | 426,052 | 619 |  |  |  | 426,671 |\n| Closed end, first liens | 1,334,079 | 6,928 |  |  |  | 1,341,007 |\n| Closed end, second liens | 76,282 | 421 |  |  |  | 76,703 |\n| Commercial |  |  | 14,531 | 223 | 20 | 14,774 |\n| Warehouse lending |  |  | 791,919 |  |  | 791,919 |\n| Total | $2,163,972 | $8,556 | $806,450 | $223 | $ 20 | $2,979,221 |",
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  {
    "title": "Note 4 Bank Premises and Equipment, Net",
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    "markdown": "| | 2023 | 2022 |\n| --- | --- | --- |\n| Land | $ 5,826 | $ 5,831 |\n| Leasehold improvements | 604 | 634 |\n| Buildings and building improvements | 24,074 | 23,328 |\n| Furniture, fixtures, and equipment | 10,241 | 20,791 |\n| Construction in progress | 427 | 1,950 |\n| Total cost | 41,172 | 52,534 |\n| Accumulated depreciation | (11,876) | (22,961) |\n| Net | $ 29,296 | $ 29,573 |",
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    "title": "Future undiscounted lease payments for operating leases with initial terms of one year or more as of December 31, 2023",
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    "title": "Future income from non-cancelable lease agreements in effect at December 31, 2023 is as follows",
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    "markdown": "| Year | Amount |\n| --- | --- |\n| 2024 | $1,149 |\n| 2025 | 1,094 |\n| 2026 | 1,067 |\n| 2027 | 995 |\n| 2028 | 697 |\n| Thereafter | 708 |\n| Total | $5,710 |",
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    "title": "Loan Servicing Fees",
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    "markdown": "| | 2023 | 2022 |\n| --- | --- | --- |\n| Contractual servicing fees | $23,601 | $24,015 |\n| Late fees | 627 | 1,474 |\n| Other fees | 94 | 284 |\n| Total | $24,322 | $25,773 |",
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  {
    "title": "TABLE OF CONTENTS",
    "subtitle": "",
    "markdown": "| TABLE OF CONTENTS |\n| --- |",
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  {
    "title": "Note 5 Mortgage Servicing Rights (continued)",
    "subtitle": "The following summarizes mortgage servicing rights capitalized and amortized (000s omitted):",
    "markdown": "| | 2023 | 2022 |\n| --- | --- | --- |\n| Balance Beginning of year | $101,792 | $ 73,385 |\n| Additions | 4,841 | 40,031 |\n| Paid in full loans | (4,355) | (6,572) |\n| Change in fair value | (9,681) | 24,650 |\n| Proceeds from sale | | (26,000) |\n| Bulk purchases | 2,742 | 1,703 |\n| Loss on sale | | (5,405) |\n| Balance End of year | $ 95,339 | $101,792 |",
    "footnotes": [
      "During 2022, the Company performed one bulk sale of mortgage servicing rights with an unpaid principal balance of $1.4 billion. The associated value of the recorded mortgage servicing rights was $27.1"
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  {
    "title": "Hypothetical Effect on Fair Value of Servicing Rights",
    "subtitle": "",
    "markdown": "| | 2023 Actual | 2023 10% Adverse Change | 2023 20% Adverse Change | 2022 Actual | 2022 10% Adverse Change | 2022 20% Adverse Change |\n| --- | --- | --- | --- | --- | --- | --- |\n| Discount rate change | 10.2% | $91,100 | $87,205 | 9.7% | $97,233 | $93,044 |\n| Constant prepayment rate | 7.2% | 92,496 | 89,813 | 6.4% | 98,813 | 96,006 |\n| Cost to service | $72 | 93,991 | 92,643 | $71 | 100,400 | 99,008 |",
    "footnotes": [],
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    "camelot_accuracy": 99.77,
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  {
    "title": "The following table presents the recorded gain/(loss) on derivative financial instruments at December 31",
    "subtitle": "",
    "markdown": "| | Year ended December 31, 2023 | Year ended December 31, 2022 |\n| --- | --- | --- |\n| Interest rate-lock commitments | $ 2,948 | $ 711 |\n| Forward commitments | (2,719) | 2,132 |",
    "footnotes": [],
    "units": "(000s omitted)",
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  {
    "title": "The following table provide details on the Company s derivative financial instruments at December 31",
    "subtitle": "",
    "markdown": "| | 2023 | | |\n| --- | --- | --- | --- |\n| | Notional Amount | Asset | Liability |\n| Interest rate-lock commitments | $106,604 | 2,959 | 11 |\n| Forward commitments | 260,000 | 93 | 2,812 |\n| Total | $366,604 | 3,052 | 2,823 |",
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    "camelot_accuracy": 96.12,
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  {
    "title": "2022 Derivative financial instruments - Notional Amount, Asset, Liability",
    "subtitle": "2022",
    "markdown": "| | Notional Amount | Asset | Liability |\n| --- | --- | --- | --- |\n| Interest rate-lock commitments | $ 389,590 | $ 4,763 | $4,052 |\n| Forward commitments | 1,142,547 | 7,289 | 5,157 |\n| Total | $1,532,137 | $12,052 | $9,209 |",
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  {
    "title": "Note 7 Deposits",
    "subtitle": "The following is a summary of the distribution of deposits at December 31, (000s omitted):",
    "markdown": "| | 2023 | 2022 |\n| --- | --- | --- |\n| Noninterest-bearing deposits | $ 253,143 | $ 342,585 |\n| Interest-bearing demand deposits | 600,146 | 19,542 |\n| Savings and money market accounts | 368,394 | 568,508 |\n| Time: | | |\n| Under $250,000 | 1,630,903 | 1,903,420 |\n| $250,000 and over | 72,972 | 87,245 |\n| Total | $2,925,558 | $2,921,300 |",
    "footnotes": [
      "Brokered time deposits totaled $1.5 billion and $1.6 billion at December 31, 2023 and 2022, respectively."
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    "camelot_accuracy": 94.94,
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  {
    "title": "At December 31, 2023, the scheduled maturities of time deposits are as follows (000s omitted):",
    "subtitle": "",
    "markdown": "| Year | Amount |\n| --- | --- |\n| 2024 | $1,567,067 |\n| 2025 | 35,827 |\n| 2026 | 55,972 |\n| 2027 | 787 |\n| 2028 | 44,135 |\n| Thereafter | 87 |\n| Total | $1,703,875 |",
    "footnotes": [],
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  {
    "title": "At December 31, 2023, the scheduled maturities of the advances are as follows",
    "subtitle": "",
    "markdown": "| Year | Amount |\n| --- | --- |\n| 2024 | $ 96,250 |\n| 2025 | 143,750 |\n| 2026 | 10,000 |\n| 2027 | 225,000 |\n| 2028 | 50,000 |\n| Thereafter | 750,000 |\n| Total | $1,275,000 |",
    "footnotes": [],
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  {
    "title": "A summary of option activity under the Plan for the year ended December 31, 2023 is presented below:",
    "subtitle": "",
    "markdown": "| Options | Number of Shares | Weighted Average Exercise Price | Weighted Average Remaining Contractual Term (in years) |\n| --- | --- | --- | --- |\n| Outstanding at January 1, 2023 | 84,000 | 2.29 | 2.9 |\n| Granted |  |  |  |\n| Exercised |  |  |  |\n| Forfeited or expired |  |  |  |\n| Outstanding at December 31, 2023 | 84,000 | 2.293 | 1.9 |\n| Vested at December 31, 2023 | 84,000 | 2.293 | 1.9 |",
    "footnotes": [],
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  {
    "title": "Stock Awards",
    "subtitle": "A summary of stock appreciation right awards for the year ended December 31, 2023",
    "markdown": "| Stock Awards | Number of Shares | Weighted Average Exercise Price |\n| --- | --- | --- |\n| Non-vested at January 1, 2023 | 1,702,500 | $ 8.25 |\n| Granted | 395,000 | 10.84 |\n| Exercised | (522,500) | 5.31 |\n| Forfeited or expired | (97,500) | 10.07 |\n| Outstanding at December 31, 2023 | 1,477,500 | $ 7.33 |",
    "footnotes": [],
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    "camelot_accuracy": 97.71,
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  {
    "title": "As of December 31, 2023, maturities of subordinated debt were as follows",
    "subtitle": "",
    "markdown": "| Year | Amount |\n| --- | --- |\n| 2028 | $15,000 |\n| 2029 | 20,000 |\n| 2034 | 5,000 |\n| Total | 40,000 |\n| Less unamortized deferred costs | 632 |\n| Total maturities, net unamortized deferred costs | $39,368 |",
    "footnotes": [],
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    "page": 231,
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    "camelot_accuracy": 98.33,
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  {
    "title": "At December 31, 2023 and 2022, the following financial instruments were outstanding whose contract amounts represent credit risk",
    "subtitle": "",
    "markdown": "| | Contract Amount |  |\n| --- | --- | --- |\n|  | 2023 | 2022 |\n| Commitments to grant loans | $3,373,318 | $2,870,488 |\n| Unfunded commitments under lines of credit | 293,128 | 218,378 |",
    "footnotes": [],
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    "page": 233,
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  {
    "title": "The components of the income tax provision are detailed as follows",
    "subtitle": "",
    "markdown": "| | 2023 | 2022 |\n| --- | --- | --- |\n| Current income tax expense | $12,809 | $ 2,419 |\n| Deferred tax expense | (1,884) | 8,036 |\n| Total income tax expense | $10,925 | $10,455 |",
    "footnotes": [],
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    "camelot_accuracy": 93.2,
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  {
    "title": "A reconciliation of taxes on income from the statutory income tax rate to income tax expense is as follows",
    "subtitle": "(000s omitted)",
    "markdown": "| | 2023 | 2022 |\n| --- | --- | --- |\n| Income tax expense, computed at statutory rate of pretax income | $10,748 | $ 8,299 |\n| Effect of nontaxable income and nondeductible expenses | 145 | 186 |\n| Rate revaluation on deferred taxes | 131 | 376 |\n| Other | (99) | 1,594 |\n| Total income tax expense | $10,925 | $10,455 |",
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    "camelot_accuracy": 100.0,
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  {
    "title": "The details of the net deferred tax liability are as follows as of December 31 (000s omitted):",
    "subtitle": "",
    "markdown": "| | 2023 | 2022 |\n| --- | --- | --- |\n| Total deferred tax assets | $ 5,884 | $ 5,144 |\n| Total deferred tax liabilities | (30,016) | (33,563) |\n| Net deferred tax liability | $(24,132) | $(28,419) |",
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  {
    "title": "Deferred tax assets and liabilities consisted of the following as of December 31 (000s omitted):",
    "subtitle": "",
    "markdown": "| | 2023 | 2022 |\n| --- | --- | --- |\n| Allowance for credit losses | $ 2,951 | $ 1,521 |\n| Accrued expenses and other reserve accounts | 1,983 | 1,948 |\n| Stock compensation | 629 | 1,460 |\n| Other deferred tax assets | 321 | 215 |\n| Total deferred tax assets | 5,884 | 5,144 |\n| Mortgage servicing rights | 21,461 | 23,352 |\n| Fixed assets | 3,622 | 4,015 |\n| Section 481(a) adjustment | 1,022 | 2,034 |\n| Goodwill and intangibles | 1,154 | 1,404 |\n| Deferred Loan Costs/Fee | 2,622 | 2,645 |\n| Other deferred tax liabilities | 135 | 113 |\n| Total deferred tax liabilities | 30,016 | 33,563 |\n| Net deferred tax liability | $(24,132) | $(28,419) |",
    "footnotes": [],
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    "page": 234,
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  {
    "title": "Note 16 Minimum Regulatory Capital Requirements (continued)",
    "subtitle": "As of December 31, 2023 (000s omitted)",
    "markdown": "| | Actual | | For Capital Adequacy Purposes | | To be Well Capitalized Under Prompt Corrective Action Provisions | |\n| --- | --- | --- | --- | --- | --- | --- |\n| | Amount | Ratio | Amount | Ratio | Amount | Ratio |\n| CET1 (to risk weighted assets) | | | | | | |\n| Consolidated | $317,454 | 7.61% | $187,611 | 4.50% | $ N/A | N/A% |\n| Northpointe Bank | 451,147 | 10.82% | 187,609 | 4.50% | 270,991 | 6.50% |\n| Tier 1 Capital (to risk weighted assets) | | | | | | |\n| Consolidated | 438,611 | 10.52% | 250,147 | 6.00% | N/A | N/A% |\n| Northpointe Bank | 451,147 | 10.82% | 250,145 | 6.00% | 333,528 | 8.00% |\n| Total Capital (to risk weighted assets) | | | | | | |\n| Consolidated | 476,512 | 11.43% | 333,530 | 8.00% | N/A | N/A% |\n| Northpointe Bank | 469,422 | 11.26% | 333,528 | 8.00% | 416,909 | 10.00% |\n| Tier 1 capital (to average assets) | | | | | | |\n| Consolidated | 438,611 | 9.19% | 190,958 | 4.00% | N/A | N/A% |\n| Northpointe Bank | 451,147 | 9.45% | 190,969 | 4.00% | 238,712 | 5.00% |",
    "footnotes": [],
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    "page": 237,
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  {
    "title": "Capital Adequacy Ratios",
    "subtitle": "As of December 31, 2022",
    "markdown": "| | Actual | | For Capital Adequacy Purposes | | To be Well Capitalized Under Prompt Corrective Action Provisions | |\n| --- | --- | --- | --- | --- | --- | --- |\n| | Amount | Ratio | Amount | Ratio | Amount | Ratio |\n| CET1 (to risk weighted assets) | | | | | | |\n| Consolidated | $294,400 | 7.81% | $169,596 | 4.50% | $ N/A | N/A% |\n| Northpointe Bank | 449,919 | 11.91% | 170,007 | 4.50% | 245,566 | 6.50% |\n| Tier 1 Capital (to risk weighted assets) | | | | | | |\n| Consolidated | 415,557 | 11.03% | 226,128 | 6.00% | N/A | N/A% |\n| Northpointe Bank | 449,919 | 11.91% | 226,676 | 6.00% | 302,235 | 8.00% |\n| Total Capital (to risk weighted assets) | | | | | | |\n| Consolidated | 469,727 | 12.46% | 301,504 | 8.00% | N/A | N/A% |\n| Northpointe Bank | 470,971 | 12.47% | 302,235 | 8.00% | 377,794 | 10.00% |\n| Tier 1 capital (to average assets) | | | | | | |\n| Consolidated | 415,557 | 9.73% | 170,751 | 4.00% | N/A | N/A% |\n| Northpointe Bank | 449,919 | 10.54% | 170,699 | 4.00% | 213,374 | 5.00% |",
    "footnotes": [
      "Note 17 Restrictions on Dividends, Loans, and Advances"
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  {
    "title": "Fair Value on a Recurring Basis at December 31, 2023",
    "subtitle": "",
    "markdown": "| | Quoted Prices in Active Markets for Identical Assets (Level 1) | Significant Other Observable Inputs (Level 2) | Significant Unobservable Inputs (Level 3) | Balance at December 31 |\n| --- | --- | --- | --- | --- |\n| Financial Assets: | | | | |\n| Equity securities: | $1,318 | $ | $ | $1,318 |\n| Available for sale debt securities: | | 5,804 | 8,923 | 14,727 |\n| Mortgage banking assets: | | | | |\n| Loans held for sale | | 352,443 | | 352,443 |\n| Loans held for Investment | | 100,158 | | 100,158 |\n| Interest rate lock commitments | | | 2,959 | 2,959 |\n| Forward sales commitments | | 93 | | 93 |\n| Mortgage servicing rights | | | 95,339 | 95,339 |\n| Lender risk account | | | 31,694 | 31,694 |\n| Financial Liabilities: | | | | |\n| Interest rate lock commitments | | | 11 | 11 |\n| Forward sales commitments | | 2,812 | | 2,812 |",
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    "page": 241,
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  {
    "title": "Fair Value on a Recurring Basis at December 31, 2022",
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    "markdown": "| | Quoted Prices in Active Markets for Identical Assets (Level 1) | Significant Other Observable Inputs (Level 2) | Significant Unobservable Inputs (Level 3) | Balance at December 31 |\n| --- | --- | --- | --- | --- |\n| Financial Assets: | | | | |\n| Equity securities: | $1,300 | $ | $ | $1,300 |\n| Available for sale debt securities: | | | 9,087 | 9,087 |\n| Mortgage banking assets: | | | | |\n| Loans held for sale | | 790,964 | | 790,964 |\n| Loans held for investment | | 50,912 | | 50,912 |\n| Interest rate lock commitments | | | 4,763 | 4,763 |\n| Forward sales commitments | | 7,289 | | 7,289 |\n| Mortgage servicing rights | | | 101,792 | 101,792 |\n| Lender risk account | | | 28,457 | 28,457 |\n| Financial Liabilities: | | | | |\n| Interest rate lock commitments | | | 4,052 | 4,052 |\n| Forward sales commitments | | 5,157 | | 5,157 |",
    "footnotes": [],
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  {
    "title": "The following table presents a reconciliation of the Level 3 available for sale debt securities measured at fair value on a recurring basis for the years ended December 31, 2023 and 2022 (000s omitted):",
    "subtitle": "For the year ended December 31,",
    "markdown": "| | For the year ended December 31, 2023 | For the year ended December 31, 2022 |\n| --- | --- | --- |\n| Balance at beginning of period | $9,087 | $10,262 |\n| Purchases | | |\n| Sales | | |\n| Realized | | |\n| Unrealized | (164) | (1,175) |\n| Balance at end of period | $8,923 | $ 9,087 |",
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    "camelot_accuracy": 82.78,
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  {
    "title": "The following table presents a reconciliation of the Level 3 interest rate lock commitments measured at fair value on a recurring basis",
    "subtitle": "For the years ended December 31, 2023 and 2022 (000s omitted)",
    "markdown": "| | For the year ended December 31, 2023 | For the year ended December 31, 2022 |\n| --- | --- | --- |\n| Balance at beginning of period | $ 711 | $ 17,218 |\n| Change in fair value | 2,237 | (16,507) |\n| Balance at end of period | $2,948 | $ 711 |",
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    "title": "The following is a summary of the key unobservable inputs used in the valuation of the Level 3 interest rate lock commitments:",
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    "markdown": "| | For the year ended December 31, 2023 | For the year ended December 31, 2022 |\n| --- | --- | --- |\n| Pull-through rate | 84.8% | 88.0% |",
    "footnotes": [
      "The following table presents a reconciliation of the Level 3 lender risk account measured at fair value on a recurring basis for the years ended December 31, 2023 and 2022 (000s omitted):"
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  {
    "title": "The following table presents a reconciliation of the Level 3 lender risk account measured at fair value on a recurring basis for the years ended December 31, 2023 and 2022 (000s omitted):",
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    "markdown": "| | For the year ended December 31, 2023 | For the year ended December 31, 2022 |\n| --- | --- | --- |\n| Beginning of period | $28,457 | $36,345 |\n| Due to loan sales | 1,572 | 817 |\n| Releases and claims paid to the Company | (1,682) | (2,527) |\n| Change in fair value recognized in gain on sale of loans | 3,347 | (6,178) |\n| End of period | $31,694 | $28,457 |",
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    "title": "Note 18 Fair Value Measurements (continued)",
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    "markdown": "| Fair Value at December 31 | Valuation Technique | Unobservable Inputs | Range of Inputs | Weighted Average |\n| --- | --- | --- | --- | --- |\n| Assets: |  |  |  |  |\n| Lender Risk Account 2023 |  |  |  |  |\n| $31,694 | Present value of cash flows | Credit losses | 0.00% 0.10% | 0.05% |\n|  |  | Prepayment rates | 5.84% 13.27% | 7.3% |\n|  |  | Discount rates | 5.70% 6.65% | 6.06% |\n| Lender Risk Account 2022 |  |  |  |  |\n| $28,457 | Present value of cash flows | Credit losses | 0.04% 0.36% | 0.19% |\n|  |  | Prepayment rates | 6.13% 9.41% | 8.5% |\n|  |  | Discount rates | 5.73% 6.80% | 6.27% |",
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    "title": "Assets Measured at Fair Value on a Nonrecurring Basis at December 31, 2023",
    "subtitle": "",
    "markdown": "| | Quoted Prices in Active Markets for Identical Assets (Level 1) | Significant Other Observable Inputs (Level 2) | Significant Unobservable Inputs (Level 3) | Balance at December 31 |\n| --- | --- | --- | --- | --- |\n| Individually analyzed loans | | | 572 | 572 |\n| Other real estate owned | | | 24 | 24 |",
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    "title": "Assets Measured at Fair Value on a Nonrecurring Basis at December 31, 2022",
    "subtitle": "",
    "markdown": "| | Quoted Prices in Active Markets for Identical Assets (Level 1) | Significant Other Observable Inputs (Level 2) | Significant Unobservable Inputs (Level 3) | Balance at December 31 |\n| --- | --- | --- | --- | --- |\n| Individually analyzed loans | $ | $ | $4,819 | $4,819 |\n| Other real estate owned | | | | |",
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  {
    "title": "Fair Value Hierarchy and Fair Value Measurements",
    "subtitle": "December 31, 2023",
    "markdown": "| | Fair Value Hierarchy | Carrying Value | Fair Value |\n| --- | --- | --- | --- |\n| Financial Assets: | | | |\n| Cash and cash equivalents | Level 1 | $ 351,890 | $ 351,890 |\n| Equity securities | Level 1 | 1,318 | 1,318 |\n| Debt securities available for sale | Level 3 | 14,727 | 14,727 |\n| FHLB stock | Level 2 | 67,487 | 67,487 |\n| Loans held for sale | Level 2 | 352,443 | 352,443 |\n| Loans, net | Level 3 | 3,768,904 | 3,681,552 |\n| Interest receivable | Level 2 | 21,057 | 21,057 |\n| Financial Liabilities: | | | |\n| Deposits | Level 2 | 2,925,558 | 2,928,391 |\n| Subordinated debentures | Level 2 | 34,368 | 34,368 |\n| Subordinated debentures issues through trusts | Level 2 | 5,000 | 5,000 |\n| FHLB advances | Level 2 | 1,275,000 | 1,252,000 |\n| Interest payable | Level 2 | 7,159 | 7,159 |",
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  {
    "title": "Fair Value Hierarchy",
    "subtitle": "December 31, 2022",
    "markdown": "| | Fair Value Hierarchy | Carrying Value | Fair Value |\n| --- | --- | --- | --- |\n| Financial Assets: | | | |\n| Cash and cash equivalents | Level 1 | $ 274,233 | $ 274,233 |\n| Equity securities | Level 1 | 1,300 | 1,300 |\n| Debt securities available for sale | Level 3 | 9,087 | 9,087 |\n| Debt securities held to maturity | Level 3 | 5,814 | 5,814 |\n| FHLB stock | Level 2 | 73,531 | 73,531 |\n| Loans held for sale | Level 2 | 790,964 | 790,964 |\n| Loans, net | Level 3 | 3,023,768 | 2,920,019 |\n| Interest receivable | Level 2 | 14,883 | 14,883 |\n| Financial Liabilities: | | | |\n| Deposits | Level 2 | 2,921,300 | 2,918,948 |\n| Subordinated debentures | Level 2 | 51,255 | 51,255 |\n| Subordinated debentures issues through trusts | Level 2 | 5,000 | 5,000 |\n| FHLB advances | Level 2 | 925,000 | 878,271 |\n| Interest payable | Level 2 | 5,193 | 5,193 |",
    "footnotes": [],
    "units": "(in thousands)",
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  {
    "title": "The amortized costs, fair values, and unrealized gains and losses of the available for sale and held to maturity debt securities",
    "subtitle": "",
    "markdown": "| December 31, 2023 | Amortized Costs | Gross Unrealized Gains | Gross Unrealized Losses | Fair Value |\n| --- | --- | --- | --- | --- |\n| Available-for-sale Securities(1) | | | | |\n| Subordinated corporate bonds | $10,000 | $ | $(1,077) | $ 8,923 |\n| Subordinated municipal bond | 5,804 | | | 5,804 |\n| Total | $15,804 | $ | $(1,077) | $14,727 |",
    "footnotes": [
      "(1) As of December 31, 2023, there was no allowance for credit losses."
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  {
    "title": "December 31, 2022",
    "subtitle": "",
    "markdown": "| | Amortized Costs | Gross Unrealized Gains | Gross Unrealized Losses | Fair Value |\n| --- | --- | --- | --- | --- |\n| Available-for-sale Securities |  |  |  |  |\n| Subordinated corporate bond | $10,000 | $ | $(913) | $9,087 |\n| Held-to-maturity Securities |  |  |  |  |\n| Subordinated municipal bond | $ 5,814 | $462 | $ | $6,276 |",
    "footnotes": [
      "The Company reassessed classification of the subordinated municipal bond and the Company transferred $5.8 million from held-to-maturity securities to available-for-sale securities during 2023. At the time of transfer the Company reversed the allowance for credit loss associated with the held-for-sale"
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  {
    "title": "Investments with Gross Unrealized Losses by Investment Category and Length of Time",
    "subtitle": "December 31, 2023",
    "markdown": "| | Less Than 12 Months Fair Value | Less Than 12 Months Unrealized Loss | 12 Months or More Fair Value | 12 Months or More Unrealized Loss | Total Fair Value | Total Unrealized Loss |\n| --- | --- | --- | --- | --- | --- | --- |\n| Available-for-sale Securities | | | | | | |\n| Subordinated corporate bond | $ | $ | $8,923 | $(1,077) | $ 8,923 | $(1,077) |\n| Subordinated municipal bond | 5,804 | | | | 5,804 | |\n| Total | $5,804 | $ | $8,923 | $(1,077) | $14,727 | $(1,077) |",
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  {
    "title": "Investments with Gross Unrealized Losses by Category and Length of Time - December 31, 2022",
    "subtitle": "December 31, 2022",
    "markdown": "| | Less Than 12 Months Fair Value | Less Than 12 Months Unrealized Loss | 12 Months or More Fair Value | 12 Months or More Unrealized Loss | Total Fair Value | Total Unrealized Loss |\n| --- | --- | --- | --- | --- | --- | --- |\n| Available-for-sale Securities |  |  |  |  |  |  |\n| Subordinated corporate bond | $9,087 | $(913) | $ | $ | $9,087 | $(913) |\n| Held-to-maturity Securities |  |  |  |  |  |  |\n| Subordinated municipal bond | $ | $ | $ | $ | $ | $ |",
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  {
    "title": "Note 19 Debt Securities (continued)",
    "subtitle": "Debt securities, at par value, have the following contractual maturities (000s omitted):",
    "markdown": "| December 31, 2023 | Within 1 Year | 1 5 Years | 5 10 Years | Greater than 10 years | Total |\n| --- | --- | --- | --- | --- | --- |\n| Available-for-sale Securities |  |  |  |  |  |\n| Subordinated corporate bond | $ | $5,000 | $5,000 | $ | $10,000 |\n| Subordinated municipal bond |  |  |  | $5,500 | $5,500 |\n| Total | $ | $5,000 | $5,000 | $5,500 | $15,500 |",
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    "camelot_accuracy": 98.14,
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  {
    "title": "Loans to principal officers, directors, and their affiliates during 2023 were as follows (000s omitted):",
    "subtitle": "",
    "markdown": "| | |\n| --- | --- |\n| Beginning Balance | $ 1,788 |\n| New loans and advances | 1,266 |\n| Repayments and changes in officers or directors | (1,598) |\n| Ending Balance | $ 1,456 |",
    "footnotes": [
      "Deposits from principal officers, directors, and their affiliates were $3.9 million at December 31, 2023 and 2022."
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  {
    "title": "Note 21 Earnings Per Share",
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    "markdown": "| | December 31, 2023 | December 31, 2022 |\n| --- | --- | --- |\n| Earnings per Common Share: | | |\n| Net income | $ 33,762 | $ 23,239 |\n| Preferred stock dividends | 9,650 | 9,658 |\n| Net income available to common stockholders | $ 24,112 | $ 13,581 |\n| Weighted average common shares | 25,723,227 | 25,842,564 |\n| Earnings per common share | $ 0.94 | $ 0.53 |\n| Dilutive Earnings Per Common Share: | | |\n| Net income available to common stockholders | $ 24,112 | $ 13,581 |\n| Weighted average common shares | 25,723,227 | 25,842,564 |\n| Effect of dilutive shares | 84,000 | 84,000 |\n| Weighted average dilutive common shares | 25,807,227 | 25,926,564 |\n| Dilutive earnings per common share | $ 0.93 | $ 0.52 |",
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  {
    "title": "TABLE OF CONTENTS",
    "subtitle": "",
    "markdown": "| TABLE OF CONTENTS |\n| --- |",
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  {
    "title": "The following tables present the operating segment results",
    "subtitle": "For the year ended December 31, 2023",
    "markdown": "| | Retail Banking | Mortgage Warehouse (MPP) | Total |\n| --- | --- | --- | --- |\n| Interest Income | $ 190,645 | $ 76,737 | $ 267,382 |\n| Interest Expense | (166,163) | | (166,163) |\n| Funds Transfer Pricing | 49,497 | (49,497) | |\n| Net Interest Income | 73,979 | 27,240 | 101,219 |\n| (Credit) Provision for credit losses | (1,627) | 142 | (1,485) |\n| Net interest income after Provision for Credit Losses | 75,606 | 27,098 | 102,704 |\n| Noninterest income | 91,483 | 3,584 | 95,067 |\n| Noninterest expense | (148,138) | (4,946) | (153,084) |\n| Expense allocation | 2,648 | (2,648) | |\n| Net Income before taxes | 21,599 | 23,088 | 44,687 |\n| Income tax expense | (5,281) | (5,644) | (10,925) |\n| Net Income before preferred dividends | $ 16,318 | $ 17,444 | $ 33,762 |\n| Average Balance Sheet Assets | $3,725,065 | $ 977,873 | $4,702,943 |\n| Period Ending Assets | $3,611,652 | $1,146,826 | $4,758,479 |",
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    "title": "Note 22 Segment Information (continued)",
    "subtitle": "For the year ended December 31, 2022",
    "markdown": "| | Retail Banking | Mortgage Warehouse (MPP) | Total |\n| --- | --- | --- | --- |\n| Interest Income | $ 131,907 | $ 34,217 | $ 166,124 |\n| Interest Expense | (66,687) | | (66,687) |\n| Funds Transfer Pricing | 13,896 | (13,896) | |\n| Net Interest Income | 79,116 | 20,321 | 99,437 |\n| (Credit) Provision for credit losses | 2,316 | (100) | 2,216 |\n| Net interest income after Provision for Credit Losses | 76,800 | 20,421 | 97,221 |\n| Noninterest income | 154,460 | 3,659 | 158,119 |\n| Noninterest expense | (216,873) | (4,773) | (221,646) |\n| Expense allocation | 2,117 | (2,117) | |\n| Net Income before taxes | 16,504 | 17,190 | 33,694 |\n| Income tax expense | (5,121) | (5,334) | (10,455) |\n| Net Income before preferred dividends | $ 11,383 | $ 11,856 | $ 23,239 |\n| Average Balance Sheet Assets | $3,509,394 | $776,365 | $4,285,759 |\n| Period Ending Assets | $3,608,427 | $791,919 | $4,400,346 |",
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    "title": "Note 23 Parent Company Condensed Financial Statements",
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    "markdown": "| Condensed Balance Sheets |  |  |\n| --- | --- | --- |\n|  | December 31, 2023 | December 31, 2022 |\n| Assets |  |  |\n| Cash and cash equivalents | $ 6,031 | $ 7,069 |\n| Investment in subsidiary | 448,156 | 453,570 |\n| Other assets | 1,374 | 36 |\n| Total Assets | $455,561 | $460,675 |\n| Liabilities and Stockholders Equity |  |  |\n| Liabilities |  |  |\n| Subordinated debentures (Note 11) | $ 19,626 | $ 36,567 |\n| Subordinated debentures issues through trusts (Note 12) | 5,000 | 5,000 |\n| Accrued and other liabilities | 315 | 1,801 |\n| Total Liabilities | 24,941 | 43,368 |\n| Stockholders Equity | 430,620 | 417,307 |\n| Total Liabilities and Stockholders Equity | $455,561 | $460,675 |",
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    "title": "Condensed Statements of Income",
    "subtitle": "Years Ended December 31,",
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    "title": "Statement of Comprehensive Income",
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    "title": "Condensed Statements of Cash Flows",
    "subtitle": "Years Ended December 31,",
    "markdown": "| | 2023 | 2022 |\n| --- | --- | --- |\n| Operating Activities |  |  |\n| Net Income | $ 33,762 | $ 23,239 |\n| Adjustments to reconcile net income to net cash provided by (used in) operating activities: | (4,711) | (11,100) |\n| Net cash provided by operating activities | 29,051 | 12,139 |\n| Investing Activities |  |  |\n| Net cash used in investing activities |  |  |\n| Financing Activities |  |  |\n| Cash dividends paid on common stock | (2,573) | (7,753) |\n| Subordinated debt call and repayment | (17,250) |  |\n| Preferred stock dividend | (9,650) | (9,658) |",
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    "markdown": "| | Years Ended December 31, 2023 | Years Ended December 31, 2022 |\n| --- | --- | --- |\n| Proceeds from issuance of common stock | | 204 |\n| Stock repurchased | (616) | (1,496) |\n| Proceeds from exercised stock options | | 39 |\n| Net cash (used in) provided by financing activities | (30,089) | (18,664) |\n| Net (Decrease) Increase in Cash and Cash Equivalents | (1,038) | (6,525) |\n| Cash and Cash Equivalents Beginning of year | 7,069 | 13,594 |\n| Cash and Cash Equivalents End of year | $ 6,031 | $ 7,069 |",
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    "title": "December 31, 2023",
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    "title": "Northpointe Bancshares, Inc.",
    "subtitle": "Interim (Unaudited) Consolidated Balance Sheets",
    "markdown": "| | September 30, 2024 (Unaudited) | December 31, 2023 |\n| --- | --- | --- |\n| Assets |  |  |\n| Cash and cash equivalents | $ 440,751 | $ 351,890 |\n| Equity securities | 1,346 | 1,318 |\n| Debt securities available for sale (Note 19) | 8,411 | 14,727 |\n| Other securities | 69,574 | 67,487 |\n| Loans held for sale, at fair value | 345,024 | 352,443 |\n| Loans, net of allowance for credit losses of $12,220 and $12,295 as of September 30, 2024 and December 31, 2023 (Note 3) | 4,399,841 | 3,768,904 |\n| Mortgage servicing rights (Note 5) | 11,671 | 95,339 |\n| Intangible assets, net | 3,811 | 4,541 |\n| Premises and equipment (Note 4) | 27,877 | 29,296 |\n| Other assets (Note 6) | 77,693 | 72,534 |\n| Total Assets | $5,385,999 | $4,758,479 |\n| Liabilities and Stockholders Equity |  |  |\n| Liabilities |  |  |\n| Deposits: (Note 7) |  |  |\n| Noninterest-bearing | $ 221,928 | $ 253,143 |\n| Interest-bearing | 3,309,950 | 2,672,415 |\n| Total Deposits | 3,531,878 | 2,925,558 |\n| Borrowings (Note 8) | 1,308,750 | 1,275,000 |\n| Subordinated debentures (Note 11) | 38,897 | 34,368 |\n| Subordinated debentures issues through trusts (Note 12) | 5,000 | 5,000 |\n| Deferred tax liability | 4,539 | 24,132 |\n| Other liabilities | 42,153 | 63,801 |\n| Total Liabilities | 4,931,217 | 4,327,859 |\n| Stockholders Equity |  |  |\n| Preferred Stock Non-Cumulative No Par Value; 5,000,000 shares authorized |  |  |\n| Series A 82,000 and 95,000 shares issued and outstanding September 30, 2024 and December 31, 2023, respectively, with a liquidation preference of $82,000 |  |  |\n| Series B 25,000 shares issued and outstanding at September 30, 2024 and December 31, 2023, respectively, with a liquidation preference of $25,000 |  |  |\n| Common Stock No Par Value |  |  |\n| Authorized 101,500,000; shares issued and outstanding 25,689,560 at September 30, 2024 and December 31, 2023, respectively |  |  |\n| Additional paid in capital | 167,462 | 180,046 |\n| Retained earnings | 287,765 | 251,375 |\n| Accumulated other comprehensive loss | (445) | (801) |\n| Total Stockholders Equity | 454,782 | 430,620 |\n| Total Liabilities and Stockholders Equity | $5,385,999 | $4,758,479 |",
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    "markdown": "| | Nine Months Ended September 30, 2024 | Nine Months Ended September 30, 2023 |\n| --- | --- | --- |\n| Interest Income |  |  |\n| Loans Including fees | $210,660 | $173,901 |\n| Investment securities Taxable | 477 | 687 |\n| Other | 23,694 | 20,874 |\n| Total interest income | 234,831 | 195,462 |\n| Interest Expense |  |  |\n| Deposits | 111,968 | 90,317 |\n| Subordinated debentures | 2,855 | 3,510 |\n| Borrowings | 35,815 | 26,745 |\n| Total interest expense | 150,638 | 120,572 |\n| Net Interest Income | 84,193 | 74,890 |\n| Provision (Credit) for Credit Losses | 118 | (340) |\n| Net Interest Income after Provision (Credit) for Credit Losses | 84,075 | 75,230 |\n| Noninterest Income |  |  |\n| Service charges on deposits and other fees | 1,387 | 2,017 |\n| Loan servicing fees | 5,970 | 16,349 |\n| Mortgage purchase program loan fees | 3,823 | 2,609 |\n| Net gain on sale of loans held for sale | 49,658 | 68,789 |\n| Sold loan fees |  | 222 |\n| Unrealized gain (loss) on equity securities | 28 | (40) |\n| Net (loss) gain on sale of assets | (1,556) | 428 |\n| Total noninterest income | 59,310 | 90,374 |\n| Noninterest Expense |  |  |\n| Salaries and employee benefits | 58,817 | 85,811 |\n| Occupancy and equipment | 3,456 | 5,466 |\n| Data processing expense | 7,047 | 8,585 |\n| Professional fees | 3,341 | 3,858 |\n| Other taxes and insurance | 4,894 | 4,948 |\n| Other | 7,600 | 14,555 |\n| Total noninterest expense | 85,155 | 123,223 |\n| Income Before Income Taxes | 58,230 | 42,381 |\n| Income Tax Expense | 14,061 | 10,276 |\n| Net Income | 44,169 | 32,105 |\n| Preferred Stock Dividends | 5,853 | 7,240 |\n| Net Income available to common stockholders | $38,316 | $24,865 |\n| Basic Earnings Per Common Share | $1.49 | $0.97 |\n| Diluted Earnings Per Share | $1.49 | $0.96 |",
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    "markdown": "| | Nine Months Ended September 30, |  |\n| --- | --- | --- |\n| | 2024 | 2023 |\n| Cash Flows from Operating Activities |  |  |\n| Net Income | $ 44,169 | $ 32,105 |\n| Adjustments to reconcile consolidated net income to net cash and cash equivalents provided by operating activities: |  |  |\n| Depreciation | 2,149 | 2,272 |\n| (Credit) provision for credit losses | 118 | (340) |\n| Amortization of intangible asset | 730 | 766 |\n| Amortization of bond premium |  | 8 |\n| Amortization of debt issuance costs | 422 | 228 |\n| Net gain on sale of loans held for sale | (49,658) | (68,789) |\n| Proceeds from sales of loans held for sale | 1,259,887 | 2,767,783 |\n| Origination of mortgage loans held for sale | (1,230,364) | (2,358,225) |\n| Net loss (gain) on sales of other real estate | 217 | (46) |\n| Net loss on disposal of premises and equipment | 231 | 36 |\n| Net gain on sale of available for sale debt securities | (83) |  |\n| MSR change in fair value | 4,501 | 2,362 |\n| Deferred tax liability | (19,710) | 159 |\n| Change in fair value of equity securities | (28) | 40 |\n| Change in mortgage banking derivatives | (2,811) | (6,898) |\n| Net change in: |  |  |\n| Other assets | (4,021) | 5,738 |\n| Accrued and other liabilities | 3,443 | 9,734 |\n| Net cash and cash equivalents provided by operating activities | 9,192 | 386,931 |\n| Cash Flows from Investing Activities |  |  |\n| Purchase of FHLB stock | (2,087) |  |\n| Redemption of FHLB stock |  | 8,108 |\n| Proceeds of available for sale debt securities | 10,887 |  |\n| Purchase of available for sale debt securities | (4,000) |  |\n| Purchase of mortgage servicing rights |  | (2,723) |\n| Proceeds from sales of other real estate | 214 | 755 |\n| Purchases of premises and equipment | (962) | (2,441) |\n| Net increase in portfolio loans | (634,544) | (647,223) |\n| Contributions from Lender Risk Account | (1,065) | (981) |\n| Proceeds from Lender Risk Account | 5,509 | 1,108 |\n| Proceeds from sales of mortgage servicing rights | 81,903 |  |\n| Net cash and cash equivalents used in investing activities | (544,145) | (643,397) |\n| Cash Flows from Financing Activities |  |  |\n| Net change in deposits | 606,320 | 119,728 |\n| Cash dividends paid on common stock | (1,926) | (1,930) |\n| Subordinated debt call and repayment | (20,000) | (8,750) |\n| Subordinated debt issuance, net of issuance costs | 24,107 |  |\n| Advances of FHLB borrowings | 280,000 | 350,000 |\n| Repayment of FHLB borrowings | (246,250) |  |\n| Preferred stock dividend | (6,866) | (7,240) |\n| Preferred stock repurchased | (11,571) |  |\n| Treasury stock repurchased |  | (220) |\n| Net cash and cash equivalents provided by financing activities | 623,814 | 451,590 |\n| Net Increase (Decrease) in Cash and Cash Equivalents | 88,861 | 195,124 |\n| Cash and Cash Equivalents Beginning of year | 351,890 | 274,233 |\n| Cash and Cash Equivalents End of year | $ 440,751 | $ 469,357 |\n| Supplemental Cash Flow Information |  |  |\n| Cash paid for: |  |  |\n| Interest | $ 149,477 | $ 118,902 |\n| Income taxes | 30,550 | 3,200 |\n| Non-cash supplemental information: |  |  |\n| Rebooked GNMA loans over 90 days | (22,656) | 12,246 |\n| Loans transferred to other real estate | 2,396 | 217 |\n| Loans transferred from loans held for sale to portfolio loans | 172,184 | 124,195 |\n| Loans transferred from portfolio to loans held for sale | 74,921 |  |\n| Adoption of ASC 326 |  | 7,495 |",
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    "title": "Loans and Allowance for Credit Losses",
    "subtitle": "A summary of the balances of loans follows (000s omitted):",
    "markdown": "| | September 30, 2024 | December 31, 2023 |\n| --- | --- | --- |\n| Residential | $2,729,840 | $2,605,413 |\n| Commercial | 1,088 | 18,037 |\n| Warehouse lending | 1,671,829 | 1,146,826 |\n| Total loans | 4,402,757 | 3,770,276 |\n| Less: | | |\n| Allowance for credit losses | 12,220 | 12,295 |\n| Net deferred loan (cost)/fees | (9,304) | (10,923) |\n| Net loans | $4,399,841 | $3,768,904 |",
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    "title": "Activity in the allowance for credit losses",
    "subtitle": "Nine months ended September 30, 2024",
    "markdown": "| | Residential | Commercial | Warehouse lending | Unallocated | Total |\n| --- | --- | --- | --- | --- | --- |\n| Beginning balance | $11,742 | $ 51 | $458 | $ 44 | $12,295 |\n| Charge-offs | (1,856) | | | | (1,856) |\n| Recoveries | 445 | 125 | | | 570 |\n| Provision | 1,214 | (172) | 211 | (42) | 1,211 |\n| Ending balance | $11,545 | $ 4 | $669 | $ 2 | $12,220 |",
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    "title": "Nine months ended September 30, 2023",
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    "markdown": "| | Residential | Commercial | Warehouse lending | Unallocated | Total |\n| --- | --- | --- | --- | --- | --- |\n| Beginning balance, prior to adoption of ASC 326 | $ 5,908 | $ 78 | $317 | $ 62 | $ 6,365 |\n| Impact of adopting ASC 326 | 9,403 | (38) | | (58) | 9,307 |\n| Charge-offs | (47) | | | | (47) |\n| Recoveries | 33 | 46 | | | 79 |\n| Provision | (1,605) | (77) | 122 | 129 | (1,431) |\n| Ending balance | $13,692 | 9 | 439 | 133 | 14,273 |",
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    "title": "Nonaccrual Loans and Loans Past Due Over 90 Days Still Accruing",
    "subtitle": "September 30, 2024",
    "markdown": "| | Nonaccrual with No Allowance | Nonaccrual with Allowance | Total Nonaccrual | Over 90 days Accruing | Total |\n| --- | --- | --- | --- | --- | --- |\n| Residential: |  |  |  |  |  |\n| Construction and land development | $ 2,466 | $ 1,697 | $ 4,163 | $ | $ 4,163 |\n| Home equity lines of credit | 4,891 | 1,340 | 6,231 | 235 | 6,466 |\n| Closed end, first liens | 38,611 | 8,530 | 47,141 | 7,845 | 54,986 |\n| Closed end, second liens | 557 | 738 | 1,295 | 542 | 1,837 |\n| Total | $46,525 | $12,305 | $58,830 | $8,622 | $67,452 |",
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    "title": "Nonaccrual Loans - December 31, 2023",
    "subtitle": "December 31, 2023",
    "markdown": "| | Nonaccrual with No Allowance | Nonaccrual with Allowance | Total Nonaccrual | Over 90 days Accruing | Total |\n| --- | --- | --- | --- | --- | --- |\n| Residential: | | | | | |\n| Construction and land development | $ 4,200 | $ 202 | $ 4,402 | $ | $ 4,402 |\n| Home equity lines of credit | 2,977 | 620 | 3,597 | 497 | 4,094 |\n| Closed end, first liens | 12,459 | 1,468 | 13,927 | 3,298 | 17,225 |\n| Closed end, second liens | 726 | | 726 | | 726 |\n| Total | $20,362 | $2,290 | $22,652 | $3,795 | $26,447 |",
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    "title": "The amortized cost of collateral dependent loans by class as follows",
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    "markdown": "| Loan Type | Real Estate | Other | Allowance Allocated |\n| --- | --- | --- | --- |\n| Residential: |  |  |  |\n| Construction and land development | $ 2,737 | $ | $ 99 |\n| Home equity lines of credit | 5,489 |  | 40 |\n| Closed end, first liens | 41,838 |  | 61 |\n| Closed end, second liens | 840 |  | 323 |\n| Total | $50,904 | $ | $523 |",
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    "markdown": "| Collateral Type | Real Estate | Other | Allowance Allocated |\n| --- | --- | --- | --- |\n| Residential: |  |  |  |\n| Construction and land development | $ 3,976 | $ | $ 6 |\n| Home equity lines of credit | 3,414 |  | 14 |\n| Closed end, first liens | 8,119 |  |  |\n| Closed end, second liens | 662 |  |  |\n| Total | $16,171 | $ | $20 |",
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    "title": "Age Analysis of Loans",
    "subtitle": "September 30, 2024",
    "markdown": "| Loan Type | 30 59 Days Past Due | 60 89 Days Past Due | Greater than 90 Days | Total Past Due | Current | Total Loans |\n| --- | --- | --- | --- | --- | --- | --- |\n| Residential: |  |  |  |  |  |  |\n| Construction and land development | $ 5,635 | $ 516 | $ 2,367 | $ 8,518 | $ 254,913 | $ 263,431 |\n| Home equity lines of credit | 6,763 | 776 | 4,940 | 12,479 | 669,697 | 682,176 |\n| Closed end, first liens | 18,496 | 2,819 | 36,743 | 58,058 | 1,476,735 | 1,534,793 |\n| Closed end, second liens | 2,115 | 460 | 1,322 | 3,897 | 79,345 | 83,242 |\n| Commercial | 203 |  |  | 203 | 885 | 1,088 |\n| Warehouse lending |  |  |  |  | 1,671,829 | 1,671,829 |\n| Total | $33,212 | $4,571 | $45,372 | $83,155 | $4,153,404 | $4,236,559 |",
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    "title": "Note 3 Loans and Allowance for Credit Losses (continued)",
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    "markdown": "| | 30-59 Days Past Due | 60-89 Days Past Due | Greater than 90 Days | Total Past Due | Current | Total Loans |\n| --- | --- | --- | --- | --- | --- | --- |\n| Residential: |  |  |  |  |  |  |\n| Construction and land development | $ 3,874 | $1,883 | $ 3,670 | $ 9,427 | $ 337,713 | $ 347,140 |\n| Home equity lines of credit | 4,164 | 884 | 3,861 | 8,909 | 603,776 | 612,685 |\n| Closed end, first liens | 10,886 | 4,721 | 11,416 | 27,023 | 1,439,879 | 1,466,902 |\n| Closed end, second liens | 1,934 | 211 | 662 | 2,807 | 86,644 | 89,451 |\n| Commercial |  |  |  |  | 18,037 | 18,037 |\n| Warehouse lending |  |  |  |  | 1,146,826 | 1,146,826 |\n| Total | $20,858 | $7,699 | $19,609 | $48,166 | $3,632,875 | $3,681,041 |",
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  {
    "title": "Note 3 Loans and Allowance for Credit Losses (continued)",
    "subtitle": "For the nine months ended September 30, 2024",
    "markdown": "| | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Revolving Loans Amortized Cost Basis | Total |\n| --- | --- | --- | --- | --- | --- | --- | --- | --- |\n| Construction and Land Development: |  |  |  |  |  |  |  |  |\n| Performing | $12,764 | $90,655 | $89,487 | $41,008 | $14,188 | $11,166 | $ | $259,268 |\n| Nonperforming |  | 1,673 | 2,154 |  |  | 336 |  | 4,163 |\n| Total | 12,764 | 92,328 | 91,641 | 41,008 | 14,188 | 11,502 |  | 263,431 |\n| Gross charge-offs |  | 545 |  |  |  |  |  | 545 |\n| Home Equity Lines of credit: |  |  |  |  |  |  |  |  |\n| Performing |  |  |  |  |  |  | 675,945 | 675,945 |\n| Nonperforming |  |  |  |  |  |  | 6,231 | 6,231 |\n| Total |  |  |  |  |  |  | 682,176 | 682,176 |\n| Gross charge-offs |  | 126 | 480 | 433 |  | 8 |  | 1,047 |\n| First liens, closed end loans: |  |  |  |  |  |  |  |  |\n| Performing | 47,865 | 91,685 | 1,066,068 | 162,728 | 44,561 | 74,745 |  | 1,487,652 |\n| Nonperforming |  | 3,817 | 33,791 | 3,130 | 2,249 | 4,154 |  | 47,141 |\n| Total | 47,865 | 95,502 | 1,099,859 | 165,858 | 46,810 | 78,899 |  | 1,534,793 |\n| Gross charge-offs |  | 3 | 52 |  |  | 49 |  | 104 |\n| Second liens, closed end loans: |  |  |  |  |  |  |  |  |\n| Performing | 3,892 | 16,800 | 33,850 | 8,897 | 8,870 | 9,638 |  | 81,947 |\n| Nonperforming |  | 93 | 614 | 60 |  | 528 |  | 1,295 |\n| Total | 3,892 | 16,893 | 34,464 | 8,957 | 8,870 | 10,166 |  | 83,242 |\n| Gross charge-offs |  | 152 |  |  |  |  |  | 152 |\n| Commercial: |  |  |  |  |  |  |  |  |\n| Risk Rating |  |  |  |  |  |  |  |  |\n| Pass |  |  |  |  |  | 1,004 |  | 1,004 |\n| Special mention |  |  |  |  |  | 84 |  | 84 |\n| Total |  |  |  |  |  | 1,088 |  | 1,088 |\n| Gross charge-offs |  |  |  |  |  |  |  |  |\n| Warehouse lending: |  |  |  |  |  |  |  |  |\n| Risk Rating |  |  |  |  |  |  |  |  |\n| Pass |  |  |  |  |  |  | 1,671,829 | 1,671,829 |\n| Special mention |  |  |  |  |  |  |  |  |\n| Total |  |  |  |  |  |  | 1,671,829 | 1,671,829 |\n| Gross charge-offs |  |  |  |  |  |  |  |  |\n| Grand Total | $64,521 | $204,723 | $1,225,964 | $215,823 | $69,868 | $101,655 | $2,354,005 | $4,236,559 |\n| Grand Total Gross charge-offs | $ | $826 | $532 | $433 | $ | $57 | $ | $1,848 |",
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    "title": "Note 3 Loans and Allowance for Credit Losses (continued)",
    "subtitle": "For the year ended December 31, 2023",
    "markdown": "| | 2023 | 2022 | 2021 | 2020 | 2019 | Prior | Revolving Loans Amortized Cost Basis | Total |\n| --- | --- | --- | --- | --- | --- | --- | --- | --- |\n| Construction and Land Development: |  |  |  |  |  |  |  |  |\n| Performing | $105,297 | $153,972 | $53,048 | $17,445 | $2,749 | $10,227 | $ | $342,738 |\n| Nonperforming | 1,026 | 2,010 | 664 | 227 |  | 475 |  | 4,402 |\n| Total | 106,323 | 155,982 | 53,712 | 17,672 | 2,749 | 10,702 |  | 347,140 |\n| Gross charge-offs |  | 459 |  |  |  | 29 |  | 488 |\n| Home Equity Lines of credit: |  |  |  |  |  |  |  |  |\n| Performing |  |  |  |  |  |  | 609,088 | 609,088 |\n| Nonperforming |  |  |  |  |  |  | 3,597 | 3,597 |\n| Total |  |  |  |  |  |  | 612,685 | 612,685 |\n| Gross charge-offs |  | 103 | 80 |  |  |  |  | 183 |\n| First liens, closed end loans: |  |  |  |  |  |  |  |  |\n| Performing | 83,332 | 1,071,789 | 163,674 | 49,965 | 39,056 | 45,159 |  | 1,452,975 |\n| Nonperforming |  | 4,849 | 1,670 | 1,860 | 1,877 | 3,671 |  | 13,927 |\n| Total | 83,332 | 1,076,638 | 165,344 | 51,825 | 40,933 | 48,830 |  | 1,466,902 |\n| Gross charge-offs |  | 192 |  |  |  | 25 |  | 217 |\n| Second liens, closed end loans: |  |  |  |  |  |  |  |  |\n| Performing | 19,864 | 36,846 | 10,472 | 10,317 | 5,034 | 6,192 |  | 88,725 |\n| Nonperforming |  | 198 | 63 |  | 235 | 230 |  | 726 |\n| Total | 19,864 | 37,044 | 10,535 | 10,317 | 5,269 | 6,422 |  | 89,451 |\n| Gross charge-offs |  | 44 |  |  |  |  |  | 44 |\n| Commercial: |  |  |  |  |  |  |  |  |\n| Risk Rating |  |  |  |  |  |  |  |  |\n| Pass |  | 413 |  |  |  | 378 | 17,021 | 17,812 |\n| Special mention |  |  |  |  | 198 | 27 |  | 225 |\n| Total |  | 413 |  |  | 198 | 405 | 17,021 | 18,037 |\n| Gross charge-offs |  |  |  |  |  |  |  |  |\n| Warehouse lending: |  |  |  |  |  |  |  |  |\n| Risk Rating |  |  |  |  |  |  |  |  |\n| Pass |  |  |  |  |  |  | 1,129,764 | 1,129,764 |\n| Special mention |  |  |  |  |  |  | 17,062 | 17,062 |\n| Total |  |  |  |  |  |  | 1,146,826 | 1,146,826 |\n| Gross charge-offs |  |  |  |  |  |  |  |  |\n| Grand Total | $209,519 | $1,270,077 | $229,591 | $79,814 | $49,149 | $66,359 | $1,776,532 | $3,681,041 |\n| Grand Total Gross charge-offs | $ | $798 | $80 | $ | $ | $54 | $ | $932 |",
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  {
    "title": "Bank Premises and Equipment, Net - Cost and Accumulated Depreciation",
    "subtitle": "",
    "markdown": "|  |  | September 30, |  | December 31, |\n| --- | --- | --- | --- | --- |\n|  | 2024 |  | 2023 |  |\n| Land | $\n5.979 |  | $\n5,826 |  |\n| Leasehold improvements | 163 |  | 604 |  |\n| Buildings and building improvements | 24,673 |  | 24,074 |  |\n| Furniture, fixtures, and equipment | 10,403 |  | 10,241 |  |\n| Construction in progress | 263 |  | 427 |  |\n| Total cost | 41,481 |  | 41,172 |  |\n| Accumulated depreciation | (13,604 | ) | (11,876 | ) |\n| Net | $ 27,877 |  | $ 29,296 |  |",
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  {
    "title": "Future undiscounted lease payments for operating leases with initial terms of one year or more as of September 30, 2024",
    "subtitle": "(000s omitted)",
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  {
    "title": "Future income from non-cancelable lease agreements in effect at September 30, 2024 is as follows",
    "subtitle": "",
    "markdown": "| Year | Amount |\n| --- | --- |\n| 2024 | $ 287 |\n| 2025 | 1,138 |\n| 2026 | 1,070 |\n| 2027 | 965 |\n| 2028 | 685 |\n| Thereafter | 698 |\n| Total | $4,843 |",
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  {
    "title": "The following summarizes the loan servicing fees which are a component of the Loan Servicing Fees line item on Statement of Income (000s omitted):",
    "subtitle": "For the nine months ended",
    "markdown": "| | September 30, 2024 | September 30, 2023 |\n| --- | --- | --- |\n| Contractual servicing fees | $10,117 | $18,178 |\n| Late fees | 371 | 456 |\n| Other fees | 77 | 76 |\n| Total | $10,565 | $18,710 |",
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    "camelot_accuracy": 93.97,
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  {
    "title": "The following summarizes mortgage servicing rights capitalized and amortized",
    "subtitle": "",
    "markdown": "| | For the nine months ended September 30, 2024 | For the nine months ended September 30, 2023 |\n| --- | --- | --- |\n| Balance Beginning of year | $ 95,339 | $101,792 |\n| Additions | 2,736 | 4,675 |\n| Paid in full loans | (1,501) | (3,301) |\n| Change in fair value | (3,000) | 939 |\n| Bulk purchases | | 2,742 |\n| Proceeds from sale | (81,903) | |\n| Balance End of year | $ 11,671 | $106,847 |",
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  {
    "title": "Hypothetical Effect on Fair Value of Servicing Rights",
    "subtitle": "",
    "markdown": "| | September 30, 2024 | September 30, 2024 | September 30, 2024 | December 31, 2023 | December 31, 2023 | December 31, 2023 |\n| --- | --- | --- | --- | --- | --- | --- |\n| | Actual | 10% Adverse Change | 20% Adverse Change | Actual | 10% Adverse Change | 20% Adverse Change |\n| Discount rate change | 10.6% | $11,193 | $10,750 | 10.2% | $91,100 | $87,205 |\n| Constant prepayment rate | 11.3% | 11,239 | 10,840 | 7.2% | 92,496 | 89,813 |\n| Cost to service | $ 75 | 11,509 | 11,347 | $ 72 | 93,991 | 92,643 |",
    "footnotes": [],
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  {
    "title": "The following table presents the unrealized gain/(loss) on derivative financial instruments (000s omitted):",
    "subtitle": "",
    "markdown": "| | September 30, 2024 | December 31, 2023 |\n| --- | --- | --- |\n| Interest rate-lock commitments | $ 4,124 | $ 2,948 |\n| Forward commitments | (1,084) | (2,719) |",
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  {
    "title": "Derivative Financial Instruments",
    "subtitle": "September 30, 2024",
    "markdown": "| | Notional Amount | Asset | Liability |\n| --- | --- | --- | --- |\n| Interest rate-lock commitments | $227,367 | $4,146 | $22 |\n| Forward commitments | 492,306 | 361 | 1,445 |\n| Total | $719,673 | $4,507 | $1,467 |",
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  {
    "title": "Note 6 Derivative Financial Instruments (continued)",
    "subtitle": "",
    "markdown": "| | December 31, 2023 | | |\n| --- | --- | --- | --- |\n| | Notional Amount | Asset | Liability |\n| Interest rate-lock commitments | $106,604 | $2,959 | $11 |\n| Forward commitments | 260,000 | 93 | 2,812 |\n| Total | $366,604 | $3,052 | $2,823 |",
    "footnotes": [
      "As of September 30, 2024 and December 31, 2023, the counterparty collateral asset balance was $1.7 million and $1.3 million, respectively and was included in other assets in the consolidated balance sheets."
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  {
    "title": "Note 7 Deposits",
    "subtitle": "The following is a summary of the distribution of deposits (000s omitted):",
    "markdown": "| | September 30, 2024 | December 31, 2023 |\n| --- | --- | --- |\n| Noninterest-bearing deposits | $ 221,928 | $ 253,143 |\n| Interest-bearing demand deposits | 383,517 | 600,146 |\n| Savings and money market accounts | 330,076 | 368,394 |\n| Time: | | |\n| Under $250,000 | 2,482,814 | 1,630,903 |\n| $250,000 and over | 113,543 | 72,972 |\n| Total | $3,531,878 | $2,925,558 |",
    "footnotes": [
      "Brokered time deposits totaled $2.3 billion and $1.5 billion at September 30, 2024 and December 31, 2023, respectively."
    ],
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  {
    "title": "Scheduled Maturities of Time Deposits",
    "subtitle": "At September 30, 2024",
    "markdown": "| Year | Amount |\n| --- | --- |\n| 2024 | $2,254,081 |\n| 2025 | 162,980 |\n| 2026 | 90,420 |\n| 2027 | 16,703 |\n| 2028 | 46,908 |\n| Thereafter | 25,265 |\n| Total | $2,596,357 |",
    "footnotes": [],
    "units": "(000s omitted)",
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  {
    "title": "At September 30, 2024, the scheduled maturities of the advances are as follows",
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    "markdown": "| Year | Amount |\n| --- | --- |\n| 2024 | $ |\n| 2025 | 143,750 |\n| 2026 | 60,000 |\n| 2027 | 275,000 |\n| 2028 | 50,000 |\n| Thereafter | 780,000 |\n| Total | $1,308,750 |",
    "footnotes": [],
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  {
    "title": "A summary of option activity under the Plan for the nine months ended September 30, 2024",
    "subtitle": "",
    "markdown": "| Options | Number of Shares | Weighted Average Exercise Price | Weighted Average Remaining Contractual Term (in years) |\n| --- | --- | --- | --- |\n| Outstanding at December 31, 2023 | 84,000 | $ 2.29 | 1.9 |\n| Granted |  |  |  |\n| Exercised |  |  |  |\n| Forfeited or expired |  |  |  |\n| Outstanding at September 30, 2024 | 84,000 | $2.293 | 1.1 |\n| Vested at September 30, 2024 | 84,000 | $2.293 | 1.1 |",
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  {
    "title": "A summary of stock appreciation right awards for the nine months ended September 30, 2024 is as follows:",
    "subtitle": "",
    "markdown": "| Stock Awards | Number of Shares | Weighted Average Exercise Price |\n| --- | --- | --- |\n| Non-vested at December 31, 2023 | 1,477,500 | $ 7.33 |\n| Granted | 400,000 | 11.23 |\n| Exercised | (185,000) | 5.12 |\n| Forfeited or expired | (310,000) | 10.98 |\n| Outstanding at September 30, 2024 | 1,382,500 | $10.89 |",
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  {
    "title": "As of September 30, 2024, maturities of subordinated debt were as follows",
    "subtitle": "",
    "markdown": "| Year | Amount |\n| --- | --- |\n| 2028 | $15,000 |\n| 2034 | 30,000 |\n| Total | 45,000 |\n| Less unamortized deferred costs | 1,103 |\n| Total maturities, net unamortized deferred costs | $43,897 |",
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  {
    "title": "Contract Amount",
    "subtitle": "",
    "markdown": "| | September 30, 2024 | December 31, 2023 |\n| --- | --- | --- |\n| Commitments to grant loans | $2,451,906 | $3,373,318 |\n| Unfunded commitments under lines of credit | 325,381 | 293,128 |",
    "footnotes": [
      "Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other"
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  {
    "title": "Income Taxes",
    "subtitle": "",
    "markdown": "| | For the nine months ended September 30, 2024 | For the nine months ended September 30, 2023 |\n| --- | --- | --- |\n| Current income tax expense | $ 33,771 | $ 10,117 |\n| Deferred tax expense | (19,710) | 159 |\n| Total income tax expense | $ 14,061 | $ 10,276 |",
    "footnotes": [],
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  {
    "title": "Note 15 Income Taxes (continued)",
    "subtitle": "",
    "markdown": "| | For the nine months ended September 30, 2024 | For the nine months ended September 30, 2023 |\n| --- | --- | --- |\n| Income tax expense, computed at statutory rate of pretax income | $13,977 | $10,206 |\n| Effect of nontaxable income and nondeductible expenses | 84 | 70 |\n| Rate revaluation on deferred taxes | | |\n| Other | | |\n| Total income tax expense | $14,061 | $10,276 |",
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  {
    "title": "The details of the net deferred tax liability are as follows",
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    "markdown": "| | September 30, 2024 | December 31, 2023 |\n| --- | --- | --- |\n| Total deferred tax assets | $ 5,307 | $ 5,884 |\n| Total deferred tax liabilities | (9,846) | (30,016) |\n| Net deferred tax liability | $(4,539) | $(24,132) |",
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    "title": "Deferred tax assets and liabilities consisted of the following",
    "subtitle": "",
    "markdown": "| | September 30, 2024 | December 31, 2023 |\n| --- | --- | --- |\n| Allowance for credit losses | $ 2,933 | $ 2,951 |\n| Accrued expenses and other reserve accounts | 1,655 | 1,983 |\n| Stock compensation | 364 | 629 |\n| Other deferred tax assets | 355 | 321 |\n| Total deferred tax assets | 5,307 | 5,884 |\n| Mortgage servicing rights | 2,601 | 21,461 |\n| Fixed assets | 3,622 | 3,622 |\n| Section 481(a) adjustment | 255 | 1,022 |\n| Goodwill and intangibles | 995 | 1,154 |\n| Deferred Loan Costs/Fee | 2,233 | 2,622 |\n| Other deferred tax liabilities | 140 | 135 |\n| Total deferred tax liabilities | 9,846 | 30,016 |\n| Net deferred tax liability | $(4,539) | $(24,132) |",
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  {
    "title": "Note 16 Minimum Regulatory Capital Requirements (continued)",
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    "markdown": "| As of September 30, 2024 | Actual Amount | Actual Ratio | For Capital Adequacy Purposes Amount | For Capital Adequacy Purposes Ratio | To be Well Capitalized Under Prompt Corrective Action Provisions Amount | To be Well Capitalized Under Prompt Corrective Action Provisions Ratio |\n| --- | --- | --- | --- | --- | --- | --- |\n| CET1 (to risk weighted assets) |  |  |  |  |  |  |\n| Consolidated | $352,522 | 7.93% | $200,046 | 4.50% | $ N/A | N/A% |\n| Northpointe Bank | 479,193 | 10.78% | 200,037 | 4.50% | 288,942 | 6.50% |\n| Tier 1 Capital (to risk weighted assets) |  |  |  |  |  |  |\n| Consolidated | 461,095 | 10.37% | 266,728 | 6.00% | N/A | N/A% |\n| Northpointe Bank | 479,193 | 10.78% | 266,716 | 6.00% | 355,622 | 8.0% |\n| Total Capital (to risk weighted assets) |  |  |  |  |  |  |\n| Consolidated | 504,818 | 11.36% | 355,637 | 8.00% | N/A | N/A% |\n| Northpointe Bank | 498,802 | 11.22% | 355,622 | 8.00% | 444,527 | 10.00% |\n| Tier 1 capital (to average assets) |  |  |  |  |  |  |\n| Consolidated | 461,095 | 8.77% | 210,342 | 4.00% | N/A | N/A% |\n| Northpointe Bank | 479,193 | 9.11% | 210,341 | 4.00% | 262,926 | 5.00% |",
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    "title": "Capital Ratios",
    "subtitle": "As of December 31, 2023",
    "markdown": "| | Actual | Actual | For Capital Adequacy Purposes | For Capital Adequacy Purposes | To be Well Capitalized Under Prompt Corrective Action Provisions | To be Well Capitalized Under Prompt Corrective Action Provisions |\n| --- | --- | --- | --- | --- | --- | --- |\n| | Amount | Ratio | Amount | Ratio | Amount | Ratio |\n| CET1 (to risk weighted assets) |  |  |  |  |  |  |\n| Consolidated | $317,454 | 7.61% | $187,611 | 4.50% | $ N/A | N/A% |\n| Northpointe Bank | 451,147 | 10.82% | 187,609 | 4.50% | 270,991 | 6.50% |\n| Tier 1 Capital (to risk weighted assets) |  |  |  |  |  |  |\n| Consolidated | 438,611 | 10.52% | 250,147 | 6.00% | N/A | N/A% |\n| Northpointe Bank | 451,147 | 10.82% | 250,145 | 6.00% | 333,528 | 8.00% |\n| Total Capital (to risk weighted assets) |  |  |  |  |  |  |\n| Consolidated | 476,512 | 11.43% | 333,530 | 8.00% | N/A | N/A% |\n| Northpointe Bank | 469,422 | 11.26% | 333,528 | 8.00% | 416,909 | 10.00% |\n| Tier 1 capital (to average assets) |  |  |  |  |  |  |\n| Consolidated | 438,611 | 9.19% | 190,958 | 4.00% | N/A | N/A% |\n| Northpointe Bank | 451,147 | 9.45% | 190,969 | 4.00% | 238,712 | 5.00% |",
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  {
    "title": "Fair Value on a Recurring Basis at September 30, 2024",
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    "markdown": "| | Quoted Prices in Active Markets for Identical Assets (Level 1) | Significant Other Observable Inputs (Level 2) | Significant Unobservable Inputs (Level 3) | Balance at December 31 |\n| --- | --- | --- | --- | --- |\n| Financial Assets: | | | | |\n| Equity securities: | $1,346 | $ | $ | $1,346 |\n| Available for sale debt securities: | | | 8,411 | 8,411 |\n| Mortgage banking assets: | | | | |\n| Loans held for sale | | 345,024 | | 345,024 |\n| Loans held for Investment | | 175,501 | | 175,501 |\n| Interest rate lock commitments | | | 4,416 | 4,416 |\n| Forward sales commitments | | 361 | | 361 |\n| Mortgage servicing rights | | | 11,671 | 11,671 |\n| Lender risk account | | | 29,411 | 29,411 |\n| Financial Liabilities: | | | | |\n| Interest rate lock commitments | | | 23 | 23 |\n| Forward sales commitments | | 1,445 | | 1,445 |",
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  {
    "title": "Fair Value on a Recurring Basis at December 31, 2023",
    "subtitle": "",
    "markdown": "| | Quoted Prices in Active Markets for Identical Assets (Level 1) | Significant Other Observable Inputs (Level 2) | Significant Unobservable Inputs (Level 3) | Balance at December 31 |\n| --- | --- | --- | --- | --- |\n| Financial Assets: |  |  |  |  |\n| Equity securities: | $1,318 | $ | $ | $1,318 |\n| Available for sale debt securities: |  | 5,804 | 8,923 | 14,727 |\n| Mortgage banking assets: |  |  |  |  |\n| Loans held for sale |  | 352,443 |  | 352,443 |\n| Loans held for Investment |  | 100,158 |  | 100,158 |\n| Interest rate lock commitments |  |  | 2,959 | 2,959 |\n| Forward sales commitments |  | 93 |  | 93 |\n| Mortgage servicing rights |  |  | 95,339 | 95,339 |\n| Lender risk account |  |  | 31,694 | 31,694 |\n| Financial Liabilities: |  |  |  |  |\n| Interest rate lock commitments |  |  | 11 | 11 |\n| Forward sales commitments |  | 2,812 |  | 2,812 |",
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  {
    "title": "Balance at beginning of period through Balance at end of period - For the nine months ended September 30",
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    "markdown": "| | For the nine months ended September 30, 2024 | For the nine months ended September 30, 2023 |\n| --- | --- | --- |\n| Balance at beginning of period | $ 14,727 | $9,087 |\n| Purchases | 4,000 | |\n| Sales | (10,804 ) | |\n| Realized | (83 ) | |\n| Unrealized | 571 | (313 ) |\n| Balance at end of period | $ 8,411 | $8,774 |",
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  {
    "title": "Level 3 Interest Rate Lock Commitments",
    "subtitle": "For the nine months ended September 30,",
    "markdown": "| | For the nine months ended September 30, 2024 | For the nine months ended September 30, 2023 |\n| --- | --- | --- |\n| Balance at beginning of period | $2,948 | $711 |\n| Change in fair value | 1,176 | 5,024 |\n| Balance at end of period | $4,124 | $5,735 |",
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  {
    "title": "The following is a summary of the key unobservable inputs used in the valuation of the Level 3 interests to lock commitments:",
    "subtitle": "",
    "markdown": "| | For the nine months ended September 30, 2024 | For the nine months ended September 30, 2023 |\n| --- | --- | --- |\n| Pull-through rate | 83.2% | 86.2% |",
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    "title": "Level 3 Lender Risk Account Reconciliation",
    "subtitle": "For the nine months ended September 30,",
    "markdown": "| | For the nine months ended September 30, |  |\n| --- | --- | --- |\n| | 2024 | 2023 |\n| Beginning of period | $31,694 | $28,457 |\n| Due to loan sales | 1064 | 980 |\n| Releases and claims paid to the Company | (5,509) | (1,108) |\n| Change in fair value recognized in gain on sale of loans | 2,162 | 2,092 |\n| End of period | $29,411 | $30,421 |",
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  {
    "title": "Note 18 Fair Value Measurements (continued)",
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    "markdown": "| | Fair Value | Valuation Technique | Unobservable Inputs | Range of Inputs | Weighted Average |\n| --- | --- | --- | --- | --- | --- |\n| Assets: |  |  |  |  |  |\n| Lender Risk Account September 30, 2024 | $29,411 | Present value of cash flows | Credit losses | 0.00% 0.12% | 0.08% |\n|  |  |  | Prepayment rates | 8.3% | 8.3% |\n|  |  |  | Discount rates | 5.17% 6.03% | 5.74% |\n| Lender Risk Account December 31, 2023 | $31,694 | Present value of cash flows | Credit losses | 0.00% 0.10% | 0.05% |\n|  |  |  | Prepayment rates | 5.84% 13.27% | 7.3% |\n|  |  |  | Discount rates | 5.70% 6.65% | 6.06% |",
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      "The Company also has assets that under certain conditions are subject to measurement at fair value on a nonrecurring basis. These assets include individually analyzed loans and other real estate which are periodically reviewed for impairment and measured at fair value if the fair value of the asset is below the"
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  {
    "title": "Assets Measured at Fair Value on a Nonrecurring Basis at September 30, 2024",
    "subtitle": "",
    "markdown": "| | Quoted Prices in Active Markets for Identical Assets (Level 1) | Significant Other Observable Inputs (Level 2) | Significant Unobservable Inputs (Level 3) | Balance |\n| --- | --- | --- | --- | --- |\n| Individually analyzed loans | | | 523 | 523 |\n| Other real estate owned | | | 1,620 | 1,620 |",
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  {
    "title": "Assets Measured at Fair Value on a Nonrecurring Basis at December 31, 2023",
    "subtitle": "",
    "markdown": "| | Quoted Prices in Active Markets for Identical Assets (Level 1) | Significant Other Observable Inputs (Level 2) | Significant Unobservable Inputs (Level 3) | Balance |\n| --- | --- | --- | --- | --- |\n| Individually analyzed loans | | | 572 | 572 |\n| Other real estate owned | | | 24 | 24 |",
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  {
    "title": "Note 18 Fair Value Measurements (continued)",
    "subtitle": "September 30, 2024",
    "markdown": "| | Fair Value Hierarchy | Carrying Value | Fair Value |\n| --- | --- | --- | --- |\n| Financial Assets: | | | |\n| Cash and cash equivalents | Level 1 | $ 440,751 | $ 440,751 |\n| Equity securities | Level 1 | 1,346 | 1,346 |\n| Debt securities available for sale | Level 3 | 8,411 | 8,411 |\n| FHLB stock | Level 2 | 69,574 | 69,574 |\n| Loans held for sale | Level 2 | 345,024 | 345,024 |\n| Loans, net | Level 3 | 4,399,841 | 4,360,062 |\n| Interest receivable | Level 2 | 22,883 | 22,883 |\n| Financial Liabilities: | | | |\n| Deposits | Level 2 | 3,531,878 | 3,542,287 |\n| Subordinated debentures | Level 2 | 38,897 | 38,897 |\n| Subordinated debentures issues through trusts | Level 2 | 5,000 | 5,000 |\n| FHLB advances | Level 2 | 1,308,750 | 1,314,808 |\n| Interest payable | Level 2 | 8,320 | 8,320 |",
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  {
    "title": "Note 18 Fair Value Measurements - December 31, 2023",
    "subtitle": "December 31, 2023",
    "markdown": "| | Fair Value Hierarchy | Carrying Value | Fair Value |\n| --- | --- | --- | --- |\n| Financial Assets: | | | |\n| Cash and cash equivalents | Level 1 | $ 351,890 | $ 351,890 |\n| Equity securities | Level 1 | 1,318 | 1,318 |\n| Debt securities available for sale | Level 3 | 14,727 | 14,727 |\n| FHLB stock | Level 2 | 67,487 | 67,487 |\n| Loans held for sale | Level 2 | 352,443 | 352,443 |\n| Loans, net | Level 3 | 3,768,904 | 3,681,552 |\n| Interest receivable | Level 2 | 21,057 | 21,057 |\n| Financial Liabilities: | | | |\n| Deposits | Level 2 | 2,925,558 | 2,928,391 |\n| Subordinated debentures | Level 2 | 34,368 | 34,368 |\n| Subordinated debentures issues through trusts | Level 2 | 5,000 | 5,000 |\n| FHLB advances | Level 2 | 1,275,000 | 1,252,000 |\n| Interest payable | Level 2 | 7,159 | 7,159 |",
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  {
    "title": "The amortized costs, fair values, and unrealized gains and losses of the available for sale and held to maturity debt securities are as follows (000s omitted):",
    "subtitle": "",
    "markdown": "| September 30, 2024 | Amortized Costs | Gross Unrealized Gains | Gross Unrealized Losses | Fair Value |\n| --- | --- | --- | --- | --- |\n| Available-for-sale Securities (1) |  |  |  |  |\n| Subordinated corporate bonds | $9,000 | $ | $(589) | $8,411 |\n| Subordinated municipal bond |  |  |  |  |\n| Total | $9,000 | $ | $(589) | $8,411 |",
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  {
    "title": "December 31, 2023",
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    "markdown": "| Available-for-sale Securities | Amortized Costs | Gross Unrealized Gains | Gross Unrealized Losses | Fair Value |\n| --- | --- | --- | --- | --- |\n| Subordinated corporate bonds | $10,000 | $ | $(1,077) | $ 8,923 |\n| Subordinated municipal bond | 5,804 |  |  | 5,804 |\n| Total | $15,804 | $ | $(1,077) | $14,727 |",
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    "title": "Investments with Gross Unrealized Losses",
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    "subtitle": "December 31, 2023",
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    "title": "For the nine months ended September 30, 2024",
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    "title": "Note 22 Segment Information (continued)",
    "subtitle": "For the nine months ended September 30, 2023",
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    "title": "Condensed Balance Sheets",
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    "markdown": "| | September 30, 2024 | December 31, 2023 |\n| --- | --- | --- |\n| Assets |  |  |\n| Cash and cash equivalents | $ 4,960 | $ 6,031 |\n| Investment in subsidiary | 477,880 | 448,156 |\n| Other assets | 1,352 | 1,374 |\n| Total Assets | $484,192 | $455,561 |\n| Liabilities and Stockholders Equity |  |  |\n| Liabilities |  |  |\n| Subordinated debentures (Note 11) | $ 24,114 | $ 19,626 |\n| Subordinated debentures issues through trusts (Note 12) | 5,000 | 5,000 |\n| Accrued and other liabilities | 296 | 315 |\n| Total Liabilities | 29,410 | 24,941 |\n| Stockholders Equity | 454,782 | 430,620 |\n| Total Liabilities and Stockholders Equity | $484,192 | $455,561 |",
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    "subtitle": "For the nine months ended September 30, 2024",
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