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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

1.54%Q2 ’242.07%Q2 ’252.33%Q2 ’26+36%+15%

Non-interest income vs. expense

6.80%Q2 ’248.77%Q2 ’258.61%Q2 ’26-36%-2299%

Executive Summary

  • Earnings: ROA of 9.87%, up 881 bps year over year; NIM at 2.33%.
  • 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 (quarter, annualized)

9.87%+881 bps YoY

Net Interest Margin (quarter, annualized)

2.33%+31 bps YoY

Efficiency Ratio (quarter, annualized)

38.70%-4,360 bps YoY

Tier 1 Leverage Ratio

38.37%+587 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%2.65%1.25%0.52%9.87%+881 bps
Return on Equity3.15%7.63%3.56%1.47%26.49%+2,334 bps
Net Interest Margin2.02%2.45%2.33%2.06%2.33%+31 bps
Efficiency Ratio82.30%69.79%83.47%91.82%38.70%-4,360 bps
Non-Interest Burden0.49%-1.08%0.62%1.38%-10.76%-1,125 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