**National Bank Holdings Corporation Reports Fiscal Year 2025 Results**

National Bank Holdings Corporation (NBHC) announced its financial results for the fiscal year ended December 31, 2025, reporting net income of $109.6 million, or $2.85 per diluted share. This compares to a net income of $118.8 million, or $3.08 per diluted share, for the year ended December 31, 2024. The company's total assets reached $9.9 billion, with loans totaling $7.4 billion and deposits amounting to $8.3 billion. Shareholders' equity stood at $1.4 billion, and assets under management in the trust and wealth management business were $1.3 billion.

The company's net interest income FTE increased to $356.4 million, up from $352.5 million in the previous year. The net interest margin FTE also saw an improvement, rising to 3.94% from 3.85% in 2024. Non-interest income increased to $67.6 million, compared to $61.2 million in the prior year. However, these figures were impacted by acquisition-related expenses of $7.2 million and losses on available-for-sale (AFS) security sales of $3.3 million. Excluding these items, adjusted net income was $117.6 million, or $3.06 per diluted share.

Strategic developments for NBHC included the acquisition of Vista Bancshares, Inc., completed on January 7, 2026, which is expected to expand the company's presence in Texas. At the end of 2025, Vista held $2.5 billion in total assets, $1.9 billion in loans, and $2.2 billion in deposits. The company also continued to invest in its digital financial ecosystem, 2UniFi, which launched its initial phase in July 2025. These investments in 2UniFi resulted in $21.6 million in non-interest expenses during the year. The company repurchased 416,795 shares of its common stock for $15.2 million, reflecting its capital allocation strategy.

Key operational metrics revealed a decrease in the loan portfolio to $7.4 billion, compared to $7.8 billion at the end of 2024. The allowance for credit losses was 1.18% of total loans, a slight decrease from 1.22% in the previous year. Non-performing loans improved to 0.34% of total loans, down from 0.46% at the end of 2024. The company's deposit base remained strong, with average transaction deposits totaling $7.1 billion. Looking ahead, NBHC will focus on integrating Vista, scaling 2UniFi, and managing credit risk in a changing economic environment. The company's Board of Directors authorized a new stock repurchase program of up to $100 million, replacing the previous program.

About National Bank Holdings Corp

National Bank Holdings Corp. is a regional financial holding company providing banking, trust, and wealth management services through its subsidiaries, NBH Bank and Bank of Jackson Hole Trust. It operates over 90 banking centers across Colorado, Kansas City, Utah, Wyoming, Texas, New Mexico, and Idaho. The company focuses on relationship-driven banking, digital innovation, and strategic acquisitions to serve small- and medium-sized businesses and consumers.

This description was generated via AI from an annual report. Updated 8 months ago.

About 10-K Filings

A 10-K form is a comprehensive annual report that public companies in the United States must file with the SEC, providing a detailed overview of the company's financial condition, performance, and business strategies.

Key points about the 10-K:

  • Frequency: Filed annually, typically within 60 to 90 days after the end of the company's fiscal year.
  • Content: It includes:
    • Detailed financial statements audited by an independent accounting firm
    • Management's Discussion and Analysis (MD&A) of financial condition and results
    • Description of the company's business, properties, and legal proceedings
    • Risk factors and market risks
    • Executive compensation and corporate governance information
  • Importance: Considered the most comprehensive and important document a public company files with the SEC.
  • Length: Often exceeds 100 pages due to its extensive and detailed nature.

Our Methodology

AssetRoom is committed to providing timely summaries of news from public companies. We use AI to generate these summaries quickly, but they are not reviewed by human experts.

Our method:

  1. Data Collection: We continuously monitor for new filings (currently limited to US-listed stocks).
  2. AI-Powered Analysis: Our advanced AI system processes each filing, identifying key information and extracting relevant data.
  3. Summary Generation: The AI creates a concise, easy-to-understand summary of the filing, highlighting the most important points.
  4. Publication: The summary is immediately published on our platform, allowing users instant access to the latest information.
  5. Email users: We distribute round-up emails according to our users preferences, keeping them in the loop with the companies they follow.
Read more about AssetRoom

Feedback & Corrections

Spot an error or have a suggestion? Contact us.