Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Jun. 30, 2025	Jun. 30, 2024	Jun. 30, 2025	Jun. 30, 2024
Interest Income
Loans - including fees	$ 86,261	$ 70,731	$ 158,332	$ 135,627
Investment securities - taxable	157	155	312	320
FHLB stock - taxable	1,553	1,611	3,181	3,110
Interest bearing deposits	5,122	6,402	10,418	12,423
Total interest income	93,093	78,899	172,243	151,480
Interest Expense
Deposits	43,582	37,500	79,893	71,032
Subordinated debentures	678	791	1,564	1,584
Borrowings	12,313	12,011	23,877	23,076
Total interest expense	56,573	50,302	105,334	95,692
Net interest income	36,520	28,597	66,909	55,788
Provision for credit loss and unfunded commitments	583	298	1,877	(60)
Net interest income after provision (benefit) for credit losses and unfunded commitments	35,937	28,299	65,032	55,848
Noninterest income
Service charges on deposits and other fees	239	516	419	1,024
Loan servicing fees	1,525	2,397	2,520	6,259
Mortgage Purchase Program ("MPP") fees	1,355	1,341	2,496	2,285
Net gain on sale of loans	19,351	13,714	37,938	25,065
Other noninterest income	(32)	(1,063)	1,939	(1,083)
Total noninterest income	22,438	16,905	45,312	33,550
Noninterest expense
Salaries and employee benefits	22,234	20,018	42,677	38,039
Occupancy and equipment	918	1,146	1,890	2,442
Data processing expense	2,155	2,341	4,262	4,840
Professional fees	1,793	1,082	3,021	2,201
Other taxes and insurance	1,190	1,482	2,977	3,292
Other noninterest expense	3,432	1,731	6,267	4,971
Total noninterest expense	31,722	27,800	61,094	55,785
Income - before income taxes	26,653	17,404	49,250	33,613
Income tax expense	6,309	4,183	11,658	8,148
Net income	20,344	13,221	37,592	25,465
Preferred stock dividends	2,296	1,839	4,503	4,252
Net income available to common stockholders	$ 18,048	$ 11,382	$ 33,089	$ 21,213
Basic earnings per common share (in USD per share)	$ 0.52	$ 0.44	$ 1.03	$ 0.83
Diluted earnings per share (in USD per share)	$ 0.51	$ 0.44	$ 1.01	$ 0.82
Provision for credit losses
Interest Expense
Provision for credit loss and unfunded commitments	$ 548	$ 397	$ 1,932	$ 728
Provision (benefit) for unfunded commitments
Interest Expense
Provision for credit loss and unfunded commitments	$ 35	$ (99)	$ (55)	$ (788)

NORTHPOINTE BANCSHARES INC 10-Q