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Northpointe Bank

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Northpointe Bank Rates & Review May 2026

Q: How many branches does Northpointe Bank operate?

Northpointe Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Northpointe Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Northpointe Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 11, 2026

You can compare Northpointe Bank rates to other rates in our database, including 12-month CD rates currently at 2.22%, 6-month CD rates at 3.51% and 3-month CD rates at 0.05%. Savings rates are at 0.05% and money market rates are at 1.00%. Mortgage rates on 30-year fixed loans are around 6.06%. All these rates can be compared to Northpointe Bank rates. MonitorBankRates evaluates the financial stability of Northpointe Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.76%. Rates were last updated on 05/11/2026.

Northpointe Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Northpointe Bank? Share your experience about Northpointe Bank by leaving a review below, or read customer reviews before you decide to use Northpointe Bank.

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.76%

Excellent Higher than avg

Northpointe Bank

3333 Deposit Dr Ne
Grand Rapids, MI 49546

https://www.northpointe.com

Current Rate Availability

We do not have Northpointe Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Northpointe Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Northpointe Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Northpointe Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Northpointe Bank

Bank Holding Company NORTHPOINTE BANCSHARES INC

Address 3333 Deposit Dr Ne, Grand Rapids, MI 49546 · Kent

Website https://www.northpointe.com

FDIC Certificate # 34953

Established 05/21/1999

FDIC Insurance Date 05/21/1999

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

9.76%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9807%

Return on Equity (ROE) 10.0100%

Non-Performing Loans (NPL) 0.64%

Total Assets $7,022,546,000

Total Deposits $4,888,513,000

Equity Capital $662,331,000

Net Income $87,156,000

Headquarters Grand Rapids

Total Offices 1

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Northpointe Bank

How many branches does Northpointe Bank operate?

Northpointe Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Northpointe Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Northpointe Bank provides members with tools to manage their accounts and build a solid financial history.

Does Northpointe Bank offer online and mobile banking?

Most modern institutions like Northpointe Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.northpointe.com.