Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Northpointe BancsharesNPB -0.06%9 Equity-to-Asset is 0.08 as of Mar. 2026, which is 11% below its 10-year median of 0.09. GuruFocus rates NPB with a GF Score™ of 9/100. The stock has 2 warning signs investors should review. Among 1,525 Banks companies, Northpointe Bancshares ranks worse than 66.23% on this metric.
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Northpointe Bancshares Equity-to-Asset Related Terms
Northpointe Bancshares Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Northpointe Bancshares's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NPB vs CIVB, KRNY, CBNK: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Northpointe Bancshares's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Northpointe Bancshares Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Northpointe Bancshares's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Northpointe Bancshares's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Northpointe Bancshares's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Northpointe Bancshares (NPB) has a Equity-to-Asset of 0.08 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Northpointe Bancshares and its competitors. This is 11% below median its historical median of 0.09. Over the past decade, Northpointe Bancshares' Equity-to-Asset has ranged from 0.08 to 0.10. According to the industry distribution chart, Northpointe Bancshares ranks #1010 out of 1525 companies in the Banks industry, placing it in the top 66.2%.
Is Northpointe Bancshares' Equity-to-Asset too high?
Northpointe Bancshares' current Equity-to-Asset of 0.08 is 11% below median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.10. The Banks industry median Equity-to-Asset is 0.10. Northpointe Bancshares' value of 0.08 is 20% below this industry median. Based on the distribution chart, Northpointe Bancshares ranks #1010 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, Northpointe Bancshares has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does Northpointe Bancshares' Equity-to-Asset compare to CIVB and KRNY?
According to the Banks industry distribution chart, Northpointe Bancshares ranks #1010 out of 1525 companies for Equity-to-Asset. This places Northpointe Bancshares in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Northpointe Bancshares' value of 0.08 is 20% below this benchmark. Historically, Northpointe Bancshares' own Equity-to-Asset has ranged from 0.08 to 0.10 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, Northpointe Bancshares has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northpointe Bancshares's current Equity-to-Asset of 0.08 is 20% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Northpointe Bancshares and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northpointe Bancshares's current Equity-to-Asset is 0.08, which is 11% below median its own 10-year median of 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Northpointe Bancshares stock overvalued right now?
Northpointe Bancshares (NPB) has a current Equity-to-Asset of 0.08. The current Equity-to-Asset is 0.08, which is 11% below median its 10-year median of 0.09 and 20% below the Banks industry median of 0.10. Northpointe Bancshares' overall GF Score™ is 9/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Northpointe Bancshares (NPB), the current Equity-to-Asset is 0.08 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Northpointe Bancshares Inc is a bank holding company focused on mortgage portfolio lender. The bank also offers a nationwide mortgage purchase program, residential mortgage lending, digital deposit banking to retail customers and custodial deposit services to loan servicing clients. It offers financial products and services through two business segments, Mortgage Purchase Program provides independent mortgage banking platforms nationwide with an alternative to traditional mortgage warehouse lending; and Retail Banking provides a vast array of financial products and services to consumers nationwide which include residential mortgages, AIO Loans, other consumer loans, and loan servicing, as well as various types of deposit products, including checking, savings and time deposit accounts.
9GF Score
Get the complete analysis for NPB
Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NPB has been successfully added to your 
