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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