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Bank of Jackson Hole Trust

Jackson, WY · Cert 23826 · National Bank Holdings Corp.

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

99

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

64

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Jackson Hole Trust

Jackson, WY · Cert 23826 · National Bank Holdings Corp.

State charter, Fed member · FED · 1 affiliate bank · 1 branch (93 in holding)

Q2 2026

$38.5MAssets
$5.6MLoans
$124KDeposits
$14.9MEquity
Loan mix
50%RE $1.2M50%C&I $1.2M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
10%Interest-bearing $12K90%Noninterest $112KQ2 2025Q2 2026

NIM

1.43%Q2 ’242.02%Q2 ’252.18%Q2 ’26+35%+14%

Non-interest income vs. expense

5.92%Q2 ’248.10%Q2 ’2510.03%Q2 ’26+44%-8428%

Executive Summary

  • Earnings: ROA of 5.18%, up 381 bps year over year; NIM at 2.18%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 38.37%, up 587 bps from a year ago.
  • Funding: loans stand at 4479.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

5.18%+381 bps YoY

Net Interest Margin (YTD, annualized)

2.18%+27 bps YoY

Efficiency Ratio (YTD, annualized)

57.71%-1,979 bps YoY

Tier 1 Leverage Ratio

38.37%+587 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.78%1.65%0.52%5.18%+381 bps
Return on Equity4.13%5.30%4.86%1.47%14.13%+1,000 bps
Net Interest Margin1.91%2.12%2.16%2.06%2.18%+27 bps
Efficiency Ratio77.50%74.56%76.95%91.82%57.71%-1,979 bps
Non-Interest Burden-0.05%-0.40%-0.14%1.38%-4.68%-463 bps
Growth
Asset Growth (YoY)-5.61%-4.23%-4.16%-5.22%-1.70%+391 bps
Loan Growth (YoY)1351%1390%1444%73.48%133.46%-121,715 bps
Deposit Growth (YoY)-62.96%-62.67%-62.59%-61.74%-87.60%-2,464 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.13%1.19%1.33%1.18%0.94%-20 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio32.50%33.90%34.16%34.57%38.37%+587 bps
Total Risk-Based Capital74.73%76.93%79.49%129.92%141.20%+6,647 bps
Equity / Assets34.52%34.96%35.47%35.81%38.73%+421 bps
Liquidity & Funding
Loans / Deposits238%234%231%224%4479%+424,113 bps
Liquid Assets / Assets39.63%44.72%36.30%39.04%39.88%+25 bps
CRE / Total Capitaln/a9.24%9.07%8.95%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Jackson Hole Trust

Jackson, WY · Cert 23826 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · National Bank Holdings Corp.

State charter, Fed member · FED · 1 affiliate bank · 1 branch (93 in holding)

Q2 2026

$38.5MAssets
$5.6MLoans
$124KDeposits
$14.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: net interest margin trails 96% of banks under $1B in assets operating in a single state (rank 719 of 746).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

5.23%

Rank 6 of 746

Net Interest Margin

2.18%

Rank 719 of 746

Efficiency Ratio

59.36%

Rank 272 of 746

Equity / Assets

38.73%

Rank 8 of 746

Non-interest income vs. expense

$5.7M$3.9MINCOMEEXPENSE
Favorable gap of $1.8M · efficiency ratio beats 64% of banks under $1B in assets operating in a single state
Bank 59.36%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets5.23%0.72%1.06%1.45%Beats 99%6 / 746
Return on Equity13.51%6.74%10.51%13.63%Beats 73%198 / 746
Net Interest Margin2.18%3.17%3.68%4.16%Beats 4%719 / 746
Efficiency Ratio59.36%55.74%64.58%75.47%Beats 64%272 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio140.71%11.55%13.75%17.60%Beats 99%5 / 746
Total Risk-Based Capital Ratio141.20%11.71%14.33%18.43%Beats 99%5 / 746
Equity / Assets38.73%8.90%10.51%13.06%Beats 99%8 / 746
Liquidity & Funding
Loans / Deposits4479%61.31%78.27%90.78%100th pctl1 / 746
Loans / Assets14.44%53.60%66.97%76.08%1st pctl738 / 746
Brokered Deposits / Depositsn/aNot reported for this institution