Bank · FDIC insured
Northpointe Bank
A $7.5B bank, the 205th largest of 4,207, headquartered in Grand Rapids, MI, with 1 branch in Michigan. It opens accounts online nationwide. Best rates: CDs 3.70% and savings 0.35% APY.
Northpointe Bank Carrot Score
70
Carrot Score
Higher than 27% of U.S. banks and credit unions
#18 of 19 nationwide online banksHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Northpointe Bank
- Headquarters
- 3333 Deposit Dr Ne, Grand Rapids, MI 49546
- FDIC certificate
- 34953 ↗
Branches
1 branch in Michigan
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Michigan
1 branch
- Northpointe BankMain office3333 Deposit Dr Ne, Grand Rapids, MI 49546Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.54% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.23% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.32% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $129 | $88 | — |
- CapitalLeverage ratio9.54%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.23%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.32%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$129Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Northpointe Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.