NYSE: NBHC
National Bank Holdings CorpCIK 0001475841 · SIC 6021 · National Commercial Banks
Micro by revenue · Mega by assets
Revenue $47M
Assets $12.6B
as of Oct 20, 2026
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8-K
Filed Oct 1, 2026
· Period ending Sep 28, 2026
Summary not yet generated.
10-Q
Filed Aug 5, 2026
· Period ending Jun 30, 2026
Summary not yet generated.
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8-K
Filed Aug 4, 2026
· Period ending Aug 4, 2026
Summary not yet generated.
8-K
Filed Jul 27, 2026
· Period ending Jul 27, 2026
Summary not yet generated.
10-Q
Filed May 7, 2026
· Period ending Mar 31, 2026
Summary not yet generated.
10-K
Filed Feb 24, 2026
· Period ending Dec 31, 2025
Summary not yet generated.
424B5
Filed Feb 11, 2026
Summary not yet generated.
424B5
Filed Feb 9, 2026
Summary not yet generated.
424B3
Filed Nov 24, 2025
Summary not yet generated.
10-K
Filed Feb 25, 2025
· Period ending Dec 31, 2024
Summary not yet generated.
Latest financial statements
From 10-Q filed Aug 5, 2026 (period ending Jun 30, 2026). As printed on the EDGAR/iXBRL face — not generated by the model.
Consolidated Statements of Operations (Unaudited)
(In thousands, except share and per share data)
| Description | Three months ended June 30, 2026 | Three months ended June 30, 2025 | Six months ended June 30, 2026 | Six months ended June 30, 2025 |
|---|---|---|---|---|
| Interest and dividend income: | ||||
| Interest and fees on loans | 148,604 | 120,238 | 293,579 | 240,445 |
| Interest and dividends on investment securities | 10,951 | 9,834 | 21,102 | 18,571 |
| Dividends on other securities | 684 | 466 | 1,200 | 946 |
| Interest on interest bearing bank deposits | 1,765 | 682 | 5,274 | 1,221 |
| Total interest and dividend income | 162,004 | 131,220 | 321,155 | 261,183 |
| Interest expense: | ||||
| Interest on deposits | 48,900 | 41,845 | 97,269 | 83,112 |
| Interest on borrowings | 3,812 | 1,966 | 5,792 | 3,971 |
| Total interest expense | 52,712 | 43,811 | 103,061 | 87,083 |
| Net interest income before provision for credit losses | 109,292 | 87,409 | 218,094 | 174,100 |
| Provision for credit loss expense | 1,500 | — | 5,500 | 10,200 |
| Net interest income after provision for credit losses | 107,792 | 87,409 | 212,594 | 163,900 |
| Non-interest income: | ||||
| Service charges | 4,501 | 4,127 | 8,693 | 8,245 |
| Bank card fees | 4,616 | 4,732 | 8,950 | 8,926 |
| Mortgage banking income | 2,423 | 2,547 | 5,165 | 5,862 |
| Bank-owned life insurance income | 903 | 776 | 1,790 | 1,540 |
| Other non-interest income | 7,323 | 4,884 | 12,901 | 7,869 |
| Gain on security sales | — | — | 246 | — |
| Total non-interest income | 19,766 | 17,066 | 37,745 | 32,442 |
| Non-interest expense: | ||||
| Salaries and benefits | 54,366 | 37,746 | 111,336 | 72,108 |
| Occupancy and equipment | 16,154 | 9,436 | 31,988 | 20,273 |
| Data processing | 7,945 | 4,452 | 15,598 | 8,853 |
| Marketing and business development | 1,923 | 968 | 3,427 | 1,914 |
| FDIC deposit insurance | 1,402 | 990 | 2,760 | 2,316 |
| Bank card expenses | 1,317 | 1,268 | 2,395 | 2,371 |
| Professional fees | 3,002 | 1,680 | 5,234 | 3,103 |
| Other non-interest expense | 6,408 | 4,444 | 14,152 | 10,086 |
| Other intangible assets amortization | 2,433 | 1,947 | 4,897 | 3,924 |
| Total non-interest expense | 94,950 | 62,931 | 191,787 | 124,948 |
| Income before income taxes | 32,608 | 41,544 | 58,552 | 71,394 |
| Income tax expense | 6,118 | 7,522 | 11,269 | 13,141 |
| Net income | 26,490 | 34,022 | 47,283 | 58,253 |
| Earnings per share—basic | 0.58 | 0.89 | 1.04 | 1.52 |
| Earnings per share—diluted | 0.58 | 0.88 | 1.04 | 1.51 |
| Common stock dividend | 0.32 | 0.30 | 0.64 | 0.59 |
| Weighted average number of common shares outstanding: | ||||
| Basic | 44,665,184 | 38,075,896 | 44,553,109 | 38,072,196 |
| Diluted | 44,915,790 | 38,151,810 | 44,761,348 | 38,186,660 |
Consolidated Statements of Financial Condition (Unaudited)
(In thousands, except share and per share data)
| Description | June 30, 2026 | December 31, 2025 |
|---|---|---|
| ASSETS | ||
| Cash and cash equivalents | 380,696 | 417,058 |
| Investment securities available-for-sale (at fair value) | 585,533 | 528,639 |
| Investment securities held-to-maturity (fair value of $696,725 and $597,449 at June 30, 2026 and December 31, 2025, respectively) | 758,223 | 651,732 |
| Other securities | 99,184 | 80,634 |
| Loans | 9,774,052 | 7,433,356 |
| Allowance for credit losses | (110,271) | (87,415) |
| Loans, net | 9,663,781 | 7,345,941 |
| Loans held for sale | 26,486 | 25,695 |
| Other real estate owned | 4,174 | 1,674 |
| Premises and equipment, net | 234,139 | 214,554 |
| Goodwill | 455,408 | 306,043 |
| Intangible assets, net | 64,631 | 48,337 |
| Other assets | 313,881 | 263,211 |
| Total assets | 12,586,136 | 9,883,518 |
| LIABILITIES AND SHAREHOLDERS’ EQUITY | ||
| Liabilities: | ||
| Deposits: | ||
| Non-interest bearing demand deposits | 2,575,684 | 2,204,241 |
| Interest bearing demand deposits | 1,568,250 | 1,237,006 |
| Savings and money market | 4,975,841 | 3,701,616 |
| Time deposits | 1,269,658 | 1,149,771 |
| Total deposits | 10,389,433 | 8,292,634 |
| Securities sold under agreements to repurchase | 20,239 | 17,350 |
| Long-term debt, net | 202,003 | 54,540 |
| Federal Home Loan Bank advances | 125,000 | — |
| Other liabilities | 180,357 | 133,880 |
| Total liabilities | 10,917,032 | 8,498,404 |
| Shareholders’ equity: | ||
| Common stock, par value $0.01 per share: 400,000,000 shares authorized; 58,848,464 and 51,487,888 shares issued; and 44,537,718 and 37,772,516 shares outstanding at June 30, 2026 and December 31, 2025, respectively | 588 | 515 |
| Additional paid-in capital | 1,460,627 | 1,171,581 |
| Retained earnings | 590,437 | 572,461 |
| Treasury stock of 13,493,302 and 13,412,216 shares at June 30, 2026 and December 31, 2025, respectively, at cost | (333,131) | (315,397) |
| Accumulated other comprehensive loss, net of tax | (49,417) | (44,046) |
| Total shareholders’ equity | 1,669,104 | 1,385,114 |
| Total liabilities and shareholders’ equity | 12,586,136 | 9,883,518 |
Consolidated Statements of Cash Flows (Unaudited)
(In thousands)
| Description | Six months ended June 30, 2026 | Six months ended June 30, 2025 |
|---|---|---|
| Cash flows from operating activities: | ||
| Net income | 47,283 | 58,253 |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||
| Provision for credit loss expense | 5,500 | 10,200 |
| Depreciation and amortization | 20,099 | 12,247 |
| Change in current income tax receivable | (4,041) | 208 |
| Change in deferred income taxes | (3,498) | 8,456 |
| Discount accretion, net of premium amortization on securities | (2,319) | (1,170) |
| Gain on sale of mortgages, net | (4,988) | (4,642) |
| Origination of loans held for sale, net of repayments | (161,150) | (167,883) |
| Proceeds from sales of loans held for sale | 165,347 | 176,236 |
| Originations of mortgage servicing rights | (148) | (102) |
| Proceeds from sales of mortgage servicing rights | — | 2,360 |
| Gain on sale of mortgage servicing rights | — | (646) |
| Gain on sale of fixed assets | — | (1,349) |
| Stock-based compensation | 13,416 | 3,695 |
| Gain on security sales | (246) | — |
| Operating lease payments | (3,764) | (3,278) |
| Change in other assets | 2,666 | (1,531) |
| Change in other liabilities | 4,145 | (19,086) |
| Net cash provided by operating activities | 78,302 | 71,968 |
| Cash flows from investing activities: | ||
| Proceeds from maturities and paydowns of other securities | 2,670 | — |
| Proceeds from maturities and paydowns of investment securities available-for-sale | 61,757 | 74,609 |
| Proceeds from maturities and paydowns of investment securities held-to-maturity | 96,855 | 76,710 |
| Proceeds from sales of other securities | 21,972 | 32,429 |
| Proceeds from sales of investment securities available-for-sale | 176,406 | — |
| Proceeds from sales of other real estate owned | 6,032 | 269 |
| Purchases of other securities | (32,598) | (37,009) |
| Purchases of investment securities available-for-sale | (154,341) | (160,543) |
| Purchases of investment securities held-to-maturity | (202,218) | (260,257) |
| Purchases of premises and equipment, net | (9,632) | (16,008) |
| Net (increase) decrease in loans | (434,327) | 237,115 |
| Proceeds from the sale of loans | 5,748 | 11,941 |
| Net cash activity for acquisitions | 250,074 | — |
| Net cash used in investing activities | (211,602) | (40,744) |
| Cash flows from financing activities: | ||
| Net (decrease) increase in deposits | (108,210) | 31,602 |
| Net increase (decrease) in repurchase agreements and other short-term borrowings | 2,889 | (382) |
| Proceeds from long-term debt issuance | 150,000 | — |
| Payment of long-term debt issuance costs | (2,752) | — |
| Net (payments to) advances from the FHLB | 115,000 | 135,000 |
| Issuance of stock under purchase and equity compensation plans | (4,199) | (1,817) |
| Proceeds from exercise of stock options | 717 | 53 |
| Payment of dividends | (29,265) | (22,808) |
| Repurchase of common stock | (27,242) | (4,237) |
| Net cash provided by financing activities | 96,938 | 137,411 |
| (Decrease) increase in cash and cash equivalents | (36,362) | 168,635 |
| Cash and cash equivalents at beginning of the year | 417,058 | 127,848 |
| Cash and cash equivalents at end of period | 380,696 | 296,483 |
| Supplemental disclosure of cash flow information during the period: | ||
| Cash paid for interest | 100,848 | 87,945 |
| Net tax payments | 764 | 8,892 |
| Supplemental schedule of non-cash activities: | ||
| Loans transferred to other real estate owned at fair value | 2,186 | — |
| Increase in loans purchased but not settled | 32,153 | — |
Amounts as printed on the EDGAR/iXBRL face — (In thousands, except share and per share data); (In thousands). Labels, columns, and figures are the filing face, not a GAAP stencil. Interactive statements & notes on EDGAR ↗