National Bank Holdings Corp

For the period ended Dec 31, 2025. Filed Feb 24, 2026.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 24, 2026

NBHC$37.13+0.6%Stored close · as of Nov 9, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Consolidated Statements of Operations


· · 2025 · · 2024 · · 2023
Interest and dividend income:
Interest and fees on loans	$474,626	$505,266	$461,376
Interest and dividends on investment securities	37,753	28,696	26,331
Dividends on other securities	1,723	1,832	3,253
Interest on interest bearing bank deposits	5,672	2,474	4,455
Total interest and dividend income	519,774	538,268	495,415
Interest expense:
Interest on deposits	165,426	186,192	109,378
Interest on borrowings	5,843	6,688	24,086
Total interest expense	171,269	192,880	133,464
Net interest income before provision for credit losses	348,505	345,388	361,951
Provision for credit loss expense	17,800	6,755	8,295
Net interest income after provision for credit losses	330,705	338,633	353,656
Non-interest income:
Service charges	16,694	17,957	18,225
Bank card fees	17,821	18,963	19,636
Mortgage banking income	11,085	11,228	13,634
Bank-owned life insurance income	4,385	3,005	3,269
Other non-interest income	20,929	16,660	9,153
Loss on security sales	(3,348)	(6,582)	—
Total non-interest income	67,566	61,231	63,917
Non-interest expense:
Salaries and benefits	148,334	146,243	137,701
Occupancy and equipment	45,829	39,951	37,552
Data processing	18,257	17,481	13,110
Marketing and business development	4,346	3,989	4,002
FDIC deposit insurance	4,355	5,390	7,008
Bank card expenses	4,494	5,185	5,769
Professional fees	12,527	7,062	10,464
Other non-interest expense	18,683	21,377	18,979
Other intangible assets amortization	7,817	7,939	7,386
Total non-interest expense	264,642	254,617	241,971
Income before income taxes	133,629	145,247	175,602
Income tax expense	24,055	26,432	33,554
Net income	$109,574	$118,815	$142,048
Earnings per share—basic	$2.86	$3.10	$3.74
Earnings per share—diluted	2.85	3.08	3.72
Common stock dividend	1.20	1.12	1.04
Weighted average number of common shares outstanding:
Basic	37,964,059	38,212,304	37,937,579
Diluted	38,091,014	38,419,125	38,111,208

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.