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Letter portraitLegal landscapeQuarterYTD

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