National Bank Holdings Corp

Listed Company

NBHCCIK 0001475841NYSELarge AcceleratedNational Commercial BanksDelawareFY ends Dec 31

Period

FY 2025

Revenue

$47.15M

Net Income

$109.57M

Total Assets

$9.88B

Equity

$1.39B

Shares Out

44.79M

Op. Cash Flow

$162.42M

NBHC$44.46+12.90% · past yearDBEQ Basic

Daily closing prices

Business

National Bank Holdings Corp is a bank holding company providing commercial, business and consumer banking products through subsidiary banks NBH Bank and BOJHT, operating over 90 banking centers in Colorado, Kansas, Missouri, Wyoming, Texas, Utah, New Mexico and Idaho, plus online and mobile banking. The company offers commercial and industrial loans, commercial real estate lending, SBA loans, residential mortgages, consumer loans, deposit products, treasury management services and trust and wealth management. NBHC operates through regional brand divisions (Community Banks of Colorado, Bank Midwest, Bank of Jackson Hole, Hillcrest Bank) and digital platform 2UniFi for small- and medium-sized business banking services.

Summary from 10-K filed 2026-02-24

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Interest and fees on loans	475	505	461	256	182
Interest and dividends on investment securities	38	29	26	24	17
Dividends on other securities	2	2	3	—	—
Interest on interest bearing bank deposits	6	2	4	4	986,000
Total interest and dividend income	520	538	495	285	201
Interest on deposits	165	186	109	15	14
Interest on borrowings	6	7	24	3	219,000
Total interest expense	171	193	133	18	—
Net interest income before provision for credit losses	349	345	362	267	187
Provision for credit loss expense	18	7	8	37	−9
Net interest income after provision for credit losses	331	339	354	230	196
Non-interest income	47	46	47	38	36
Mortgage banking income	11	11	14	24	63
Bank-owned life insurance income	4	3	3	2	2
Other non-interest income	21	17	9	7	12
Loss on security sales	−3	−7	—	—	—
Total non-interest income	68	61	64	67	110
Salaries and benefits	148	146	138	125	128
Occupancy and equipment	46	40	38	31	25
Data processing	18	17	13	13	9
Marketing and business development	4	4	4	4	3
FDIC deposit insurance	4	5	7	—	—
Bank card expenses	4	5	6	5	5
Professional fees	13	7	10	14	5
Other non-interest expense	19	21	19	14	14
Other intangible assets amortization	8	8	7	2	1
Total non-interest expense	265	255	242	211	192
Income before income taxes	134	145	176	86	115
Income tax expense	24	26	34	15	21
Net income	110	119	142	71	94
Earnings per share-basic (in dollars per share)	2.86	3.1	3.74	2.2	3.04
Earnings per share-diluted (in dollars per share)	2.85	3.08	3.72	2.18	3.01
Common stock dividend	1.2	1.12	1.04	—	—
Basic (in shares)	38	38	38	32	31
Diluted (in shares)	38	38	38	33	31

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and cash equivalents	417	128	191	196	846
Investment securities available-for-sale (at fair value)	500	500	600	700	—
Investment securities held-to-maturity (fair value of $597,449 and $451,386 at December 31, 2025 and December 31, 2024, respectively)	700	500	600	700	—
Other securities	81	76	—	—	—
Loans	7,433	7,751	7,699	7,220	—
Allowance for credit losses	−87	−95	−98	−90	−50
Loans, net	7,346	7,657	7,601	7,131	—
Loans held for sale	26	24	19	23	139
Other real estate owned	2	662,000	4	4	7
Premises and equipment, net	215	197	163	136	97
Goodwill	306	306	306	279	115
Intangible assets, net	48	58	66	60	12
Other assets	263	300	297	298	183
Total assets	9,884	9,808	9,951	9,573	7,214
Non-interest bearing demand deposits	2,204	2,214	2,361	3,135	2,506
Interest bearing demand deposits	1,237	1,412	1,480	914	555
Savings and money market	3,702	3,592	3,367	2,951	2,333
Time deposits	1,100	1,000	1,000	900	800
Total deposits	8,300	8,200	8,200	7,900	6,200
Securities sold under agreements to repurchase	17	19	20	20	23
Long-term debt, net	55	55	54	54	39
Federal Home Loan Bank advances	—	50	340	385	—
Other liabilities	134	141	134	149	83
Total liabilities	8,498	8,503	8,738	8,481	6,374
Common stock, par value $0.01 per share: 400,000,000 shares authorized; 51,487,888 and 51,487,888 shares issued; and 37,772,516 and 38,054,482 shares outstanding at December 31, 2025 and December 31, 2024, respectively	515,000	515,000	515,000	515,000	515,000
Additional paid-in capital	1,172	1,167	1,162	1,160	1,014
Retained earnings	572	509	433	331	290
Treasury stock of 13,412,216 and 13,141,392 shares at December 31, 2025 and December 31, 2024, respectively, at cost	−315	−302	−307	−310	−458
Accumulated other comprehensive loss, net of tax	−44	−70	−76	−88	−7
Total shareholders' equity	1,385	1,305	1,213	1,092	840
Total liabilities and shareholders' equity	9,884	9,808	9,951	9,573	7,214

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Provision for credit loss expense	18	7	8	37	−9
Depreciation and amortization	28	24	24	16	14
Change in current income tax receivable	−3	2	3	−4	1
Change in deferred income taxes	25	6	55,000	−17	−226,000
Discount accretion, net of premium amortization on securities	−3	−1	−831,000	1	4
Gain on sale of mortgages, net	−11	−10	−10	−20	−57
Origination of loans held for sale, net of repayments	−352	−347	−398	−810	−1,868
Proceeds from sales of loans held for sale	362	349	407	955	2,041
Originations of mortgage servicing rights	−194,000	−404,000	−1	−4	−8
Proceeds from sales of mortgage servicing rights	2	—	6	—	11
Gain on sale of mortgage servicing rights	−646,000	—	−1	—	−1
Impairment on fixed assets	—	958,000	349,000	118,000	2
Gain on sale of fixed assets	−2	−600,000	−148,000	−2	−4
Stock-based compensation	7	8	7	6	6
Operating lease payments	−6	−7	−6	−5	−5
Change in other assets	−3	−16	343,000	−27	11
Change in other liabilities	−12	14	−14	16	−51
Net cash provided by operating activities	162	155	167	215	180
Proceeds from other securities	51	58	100	—	—
Proceeds from maturities and paydowns of investment securities available-for-sale	133	158	92	142	236
Proceeds from maturities and paydowns of investment securities held-to-maturity	143	63	70	133	162
Proceeds from sales of investment securities available-for-sale	58	132	—	128	0
Proceeds from sales of other real estate owned	523,000	3	581,000	4	2
Purchases of other securities	−51	−45	−106	—	—
Purchases of investment securities available-for-sale	−161	−186	0	−260	−289
Purchases of investment securities held-to-maturity	−260	−11	−2	−102	−398
Purchases of premises and equipment, net	−30	−35	−37	−12	5
Net decrease (increase) in loans	275	−73	−477	−988	−167
Proceeds from the sale of loans	29	—	2	933,000	—
Net cash activity for acquisitions	—	—	−45	234	—
Net cash provided by (used in) investing activities	186	65	−404	−752	−474
Net increase in deposits	55	47	317	−466	553
Net decrease in repurchase agreements and other short-term borrowings	−2	−732,000	−587,000	−3	−129,000
Net payments to the Federal Home Loan Bank	−50	−290	−45	−186	—
Issuance of stock under purchase and equity compensation plans	−2	−2	−2	−1	−2
Proceeds from exercise of stock options	28,000	4	617,000	1	2
Payment of dividends	−46	−43	−40	−30	−27
Repurchase of common stock	−15	—	—	—	−36
Net cash (used in) provided by financing activities	−60	−284	231	−114	529
Increase (decrease) in cash and cash equivalents	289	−64	−6	−652	235
Cash paid for interest	168	190	124	19	17
Net tax payments	11	21	33	11	15
Loans transferred to other real estate owned at fair value	2	10	1	147,000	—
Increase in loans purchased but not settled	11	—	—	—	—
Loans transferred from loans held for sale to loans	—	1	5	—	—

Filings

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Frequently asked questions

What is National Bank Holdings Corp's CIK number?

National Bank Holdings Corp's SEC CIK number is 0001475841 (1475841). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find National Bank Holdings Corp's SEC filings?

All of National Bank Holdings Corp's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did National Bank Holdings Corp last report earnings?

National Bank Holdings Corp (NBHC) most recently filed an earnings 8-K with the SEC on Apr 21, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001475841-26-000018). This is National Bank Holdings Corp's most recent earnings filing of record — not a forecast of its next earnings date.

What is National Bank Holdings Corp's most recent earnings 8-K?

National Bank Holdings Corp's latest earnings 8-K (Item 2.02) was filed Apr 21, 2026 under accession 0001475841-26-000018. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

View National Bank Holdings Corp's latest earnings 8-K →
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