PackageTrendsPeer
Letter portraitLegal landscape

NBH Bank

Greenwood Village, CO · Cert 59052 · National Bank Holdings Corp.

State charter, Fed member · FED · 92 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

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 over $10B in assets (n=142 to 144). 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

45

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

14

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

NBH Bank

Greenwood Village, CO · Cert 59052 · National Bank Holdings Corp.

State charter, Fed member · FED · 1 affiliate bank · 92 branches (93 in holding)

Q2 2026

$12.5BAssets
$9.8BLoans
$10.6BDeposits
$1.7BEquity
Loan mix
67%RE $5.5B33%C&I $2.7B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $7.8B26%Noninterest $2.8BQ2 2025Q2 2026

NIM

5.30%Q2 ’245.27%Q2 ’255.18%Q2 ’26+4%+2%

Non-interest income vs. expense

2.41%Q2 ’242.39%Q2 ’252.82%Q2 ’26+2%+28%

Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 2.2% share · #10 of 68 inst. · $2.5B of $113.6B

10.4% Arapahoe
43.1% Teton
0.4% Dallas
1.2% Jackson

Executive Summary

  • Earnings: ROA of 1.09%, down 14 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.60% of loans (+6 bps YoY), with net charge-offs at 0.29%.
  • Capital: tier 1 leverage ratio of 10.27%, up 10 bps from a year ago.
  • Funding: loans stand at 92.81% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.09%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.73%+8 bps YoY

Efficiency Ratio (YTD, annualized)

65.98%+1,030 bps YoY

Tier 1 Leverage Ratio

10.27%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%1.30%1.18%1.00%1.09%-14 bps
Return on Equity9.99%10.52%9.47%7.79%8.40%-159 bps
Net Interest Margin3.65%3.70%3.69%3.78%3.73%+8 bps
Efficiency Ratio55.68%56.56%58.36%67.96%65.98%+1,030 bps
Non-Interest Burden1.76%1.82%1.89%2.37%2.25%+49 bps
Growth
Asset Growth (YoY)0.27%1.50%0.67%24.88%25.86%+2,559 bps
Loan Growth (YoY)-3.04%-3.64%-4.10%25.82%30.51%+3,355 bps
Deposit Growth (YoY)-1.42%-0.45%0.84%24.63%25.87%+2,730 bps
Asset Quality
Nonperforming Loans / Loans0.54%0.52%0.54%0.59%0.60%+6 bps
Net Charge-Offs / Loans0.43%0.27%0.34%0.32%0.29%-14 bps
Allowance / Loans1.18%1.18%1.17%1.18%1.13%-6 bps
Allowance Coverage of NPLs2.2x2.3x2.2x2.0x1.9x-0.3x
Capital
Tier 1 Leverage Ratio10.17%10.54%10.16%10.17%10.27%+10 bps
Total Risk-Based Capital14.10%14.71%14.31%13.38%13.39%-70 bps
Equity / Assets12.56%12.66%12.67%12.96%13.26%+70 bps
Liquidity & Funding
Loans / Deposits89.51%86.84%88.32%90.46%92.81%+329 bps
Liquid Assets / Assets9.27%11.60%10.13%9.09%8.18%-109 bps
CRE / Total Capitaln/a293%293%333%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

NBH Bank

Greenwood Village, CO · Cert 59052 · Peer group: banks over $10B in assets (n=142-144) · National Bank Holdings Corp.

State charter, Fed member · FED · 1 affiliate bank · 92 branches (93 in holding)

Q2 2026

$12.5BAssets
$9.8BLoans
$10.6BDeposits
$1.7BEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 78% of banks over $10B in assets (rank 31 of 144).
  • Widest gap: efficiency ratio trails 86% of banks over $10B in assets (rank 125 of 144).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.01%

Rank 105 of 144

Net Interest Margin

3.73%

Rank 31 of 144

Efficiency Ratio

67.86%

Rank 125 of 144

Equity / Assets

13.26%

Rank 31 of 144

Non-interest income vs. expense

$71.2M$349.8MINCOMEEXPENSE
Unfavorable gap of $278.6M · efficiency ratio beats 14% of banks over $10B in assets
Bank 67.86%Peer median 56.0%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.01%1.00%1.26%1.54%Beats 27%105 / 144
Return on Equity7.64%8.98%11.34%14.40%Beats 17%119 / 144
Net Interest Margin3.73%2.82%3.31%3.68%Beats 78%31 / 144
Efficiency Ratio67.86%49.42%56.02%62.41%Beats 14%125 / 144
Asset Quality
Nonperforming Loans / Loans0.60%0.48%0.73%1.07%Beats 61%57 / 142
Net Charge-Offs / Loans0.15%0.05%0.11%0.22%Beats 39%87 / 142
Capital
Tier 1 Capital Ratio12.27%12.07%12.98%14.92%Beats 33%96 / 144
Total Risk-Based Capital Ratio13.39%13.39%14.14%16.25%Beats 25%108 / 144
Equity / Assets13.26%9.69%11.39%12.96%Beats 78%31 / 144
Liquidity & Funding
Loans / Deposits92.81%75.72%84.92%91.56%80th pctl29 / 143
Loans / Assets78.13%59.83%69.07%74.80%85th pctl21 / 144
Brokered Deposits / Depositsn/aNot reported for this institution