Jackson, WY · Cert 23826 · National Bank Holdings Corp.
State charter, Fed member · FED · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
99
Asset Quality
100
Profitability
59
Liquidity
0
Efficiency
64
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.
Jackson, WY · Cert 23826 · National Bank Holdings Corp.
State charter, Fed member · FED · 1 affiliate bank · 1 branch (93 in holding)
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.20% | 1.66% | 1.37% | 1.78% | 1.65% | 0.52% | 5.18% | +381 bps | |
| Return on Equity | 3.51% | 3.74% | 5.11% | 4.13% | 5.30% | 4.86% | 1.47% | 14.13% | +1,000 bps | |
| Net Interest Margin | 1.55% | 1.60% | 1.76% | 1.91% | 2.12% | 2.16% | 2.06% | 2.18% | +27 bps | |
| Efficiency Ratio | 77.72% | 77.51% | 72.48% | 77.50% | 74.56% | 76.95% | 91.82% | 57.71% | -1,979 bps | |
| Non-Interest Burden | 0.07% | 0.02% | -0.59% | -0.05% | -0.40% | -0.14% | 1.38% | -4.68% | -463 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.80% | 3.02% | 2.48% | -5.61% | -4.23% | -4.16% | -5.22% | -1.70% | +391 bps | |
| Loan Growth (YoY) | n/a | -1.95% | 810% | 1351% | 1390% | 1444% | 73.48% | 133.46% | -121,715 bps | |
| Deposit Growth (YoY) | 170.00% | 167.33% | 173.56% | -62.96% | -62.67% | -62.59% | -61.74% | -87.60% | -2,464 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.27% | 1.32% | 1.17% | 1.13% | 1.19% | 1.33% | 1.18% | 0.94% | -20 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 30.38% | 30.95% | 31.44% | 32.50% | 33.90% | 34.16% | 34.57% | 38.37% | +587 bps | |
| Total Risk-Based Capital | 75.38% | 77.25% | 73.82% | 74.73% | 76.93% | 79.49% | 129.92% | 141.20% | +6,647 bps | |
| Equity / Assets | 31.83% | 32.38% | 32.63% | 34.52% | 34.96% | 35.47% | 35.81% | 38.73% | +421 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 5.85% | 5.59% | 49.40% | 238% | 234% | 231% | 224% | 4479% | +424,113 bps | |
| Liquid Assets / Assets | 36.73% | 36.97% | 36.78% | 39.63% | 44.72% | 36.30% | 39.04% | 39.88% | +25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 9.24% | 9.07% | 8.95% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 5.23% | 0.72% | 1.06% | 1.45% | Beats 99% | 6 / 746 | ||
| Return on Equity | 13.51% | 6.74% | 10.51% | 13.63% | Beats 73% | 198 / 746 | ||
| Net Interest Margin | 2.18% | 3.17% | 3.68% | 4.16% | Beats 4% | 719 / 746 | ||
| Efficiency Ratio | 59.36% | 55.74% | 64.58% | 75.47% | Beats 64% | 272 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 140.71% | 11.55% | 13.75% | 17.60% | Beats 99% | 5 / 746 | ||
| Total Risk-Based Capital Ratio | 141.20% | 11.71% | 14.33% | 18.43% | Beats 99% | 5 / 746 | ||
| Equity / Assets | 38.73% | 8.90% | 10.51% | 13.06% | Beats 99% | 8 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 4479% | 61.31% | 78.27% | 90.78% | 100th pctl | 1 / 746 | ||
| Loans / Assets | 14.44% | 53.60% | 66.97% | 76.08% | 1st pctl | 738 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||