Greenwood Village, CO · Cert 59052 · National Bank Holdings Corp.
State charter, Fed member · FED · 1 affiliate bank · 92 branches (93 in holding)
Q2 2026
Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 2.2% share · #10 of 68 inst. · $2.5B of $113.6B
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 | 1.34% | 1.32% | 1.06% | 1.23% | 1.30% | 1.18% | 1.00% | 1.09% | -14 bps | |
| Return on Equity | 11.59% | 11.29% | 8.71% | 9.99% | 10.52% | 9.47% | 7.79% | 8.40% | -159 bps | |
| Net Interest Margin | 3.53% | 3.59% | 3.61% | 3.65% | 3.70% | 3.69% | 3.78% | 3.73% | +8 bps | |
| Efficiency Ratio | 56.75% | 56.22% | 56.05% | 55.68% | 56.56% | 58.36% | 67.96% | 65.98% | +1,030 bps | |
| Non-Interest Burden | 1.71% | 1.72% | 1.78% | 1.76% | 1.82% | 1.89% | 2.37% | 2.25% | +49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.30% | -1.45% | 1.34% | 0.27% | 1.50% | 0.67% | 24.88% | 25.86% | +2,559 bps | |
| Loan Growth (YoY) | 3.12% | 0.75% | 0.97% | -3.04% | -3.64% | -4.10% | 25.82% | 30.51% | +3,355 bps | |
| Deposit Growth (YoY) | 4.58% | 0.91% | -1.04% | -1.42% | -0.45% | 0.84% | 24.63% | 25.87% | +2,730 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.43% | 0.66% | 0.47% | 0.54% | 0.52% | 0.54% | 0.59% | 0.60% | +6 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.13% | 0.79% | 0.43% | 0.27% | 0.34% | 0.32% | 0.29% | -14 bps | |
| Allowance / Loans | 1.23% | 1.21% | 1.18% | 1.18% | 1.18% | 1.17% | 1.18% | 1.13% | -6 bps | |
| Allowance Coverage of NPLs | 2.9x | 1.9x | 2.5x | 2.2x | 2.3x | 2.2x | 2.0x | 1.9x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.43% | 9.53% | 9.86% | 10.17% | 10.54% | 10.16% | 10.17% | 10.27% | +10 bps | |
| Total Risk-Based Capital | 12.86% | 13.00% | 13.50% | 14.10% | 14.71% | 14.31% | 13.38% | 13.39% | -70 bps | |
| Equity / Assets | 11.95% | 12.16% | 12.17% | 12.56% | 12.66% | 12.67% | 12.96% | 13.26% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.72% | 92.88% | 89.60% | 89.51% | 86.84% | 88.32% | 90.46% | 92.81% | +329 bps | |
| Liquid Assets / Assets | 6.42% | 5.97% | 8.67% | 9.27% | 11.60% | 10.13% | 9.09% | 8.18% | -109 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 293% | 293% | 333% | n/a | n/a | |