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NBH Bank
Greenwood Village, CO·FDIC Cert #59052·Charter: STATE·Est. 20101210.0·HC: NATIONAL BANK HOLDINGS CORP
Total Assets
$9.8B
Q4 2025
Return on Assets
1.18%
-0.13%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
58.36%
Peer avg: 56.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.18%-0.13
ROE
9.47%-1.05
Efficiency
58.36%+1.80
Equity/Assets
0.00%+0.00
NPL Ratio
0.55%+0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
87.29%+1.48
Charge-offs
0.33%+0.07
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.3 | 1.3 | 1.3 | 1.3 | 1.1 | 1.2 | 1.3 | 1.2 |
| ROE | 11.6 | 11.4 | 11.6 | 11.3 | 8.7 | 10.0 | 10.5 | 9.5 |
| Efficiency | 57.8 | 57.2 | 56.8 | 56.2 | 56.0 | 55.7 | 56.6 | 58.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.4 | 0.4 | 0.7 | 0.5 | 0.5 | 0.5 | 0.5 |
| Charge-offs | 0.0 | 0.1 | 0.1 | 0.1 | 0.8 | 0.4 | 0.3 | 0.3 |
| Loan/Deposit | 86.7 | 89.9 | 88.6 | 91.7 | 88.5 | 88.5 | 85.8 | 87.3 |
Balance Sheet
Total Assets$9.8B
Total Deposits$8.4B
Total Loans$7.4B
Total Equity$1.2B
Profitability
ROA1.18%
ROE9.47%
Efficiency Ratio58.36%
Net Income$117.2M
Risk & Asset Quality
NPL Ratio0.55%
Charge-off Rate0.33%
Loan/Deposit87.29%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans