NBH Bank
NBH Bank reported total assets of $12.5 bn at Q2 2026, up 25.9% on a year earlier, the 141st largest of 497 banks in our US coverage. The CET1 capital ratio at NBH Bank was 12.27%, and the uninsured share of NBH Bank was 30.37%. Source: FDIC Call Reports.
Key takeaways
- On efficiency ratio, NBH Bank slipped from 201st to 401st among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , NBH Bank has taken over 4 institutions; the latest was Vista Bank on (FDIC Call Reports).
What sets NBH Bank apart
How large is NBH Bank?
The balance sheet of NBH Bank at : assets $12.5 bn, deposits $10.6 bn, net loans $9.7 bn (loans equal to 91.76% of deposits). Securities make up 10.7% of total assets at NBH Bank. Since , when NBH Bank held $4.6 bn, its assets grew 172.5%. In the year to , deposits at NBH Bank rose 25.9% while its total assets rose 25.9%. At , NBH Bank employed 1,360 full-time equivalent staff across 97 offices, about $9.2 mn of assets per employee and $108.8 mn of deposits per office.
How much funding at NBH Bank is uninsured?
At NBH Bank, uninsured deposits (above the FDIC limit) made up 30.37% of domestic deposits at (+8.19 pp on a year earlier); NBH Bank ranks 308th of 500 on this measure. In dollars, NBH Bank estimated $3.2 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $10.6 bn | +25.9% | 139th of 499 |
| Net loans and leases | $9.7 bn | +30.6% | 129th of 500 |
| Loan-to-deposit ratio | 91.76% | +3.31 pp | 159th of 500 |
| Tier 1 leverage ratio | 10.27% | +0.10 pp | 255th of 500 |
| Total risk-based capital ratio | 13.39% | -0.70 pp | 313th of 448 |
| Net interest margin | 4.24% | +0.33 pp | 92nd of 500 |
| Return on assets (ROA) | 1.09% | -0.14 pp | 349th of 500 |
| Efficiency ratio | 65.98% | +10.30 pp | 401st of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $61.5 mn | Narrowed by $2.5 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $64.1 mn | Narrowed by $8.4 mn | |
| Noncurrent loans to total loans | 0.60% | +0.06 pp | 249th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.32% | -0.11 pp | 404th of 500 (1 = lowest) |
US rank of NBH Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
NBH Bank: assets, deposits and loans
- Total assets $12.5bn
- Deposits $10.6bn
- Net loans $9.7bn
Capital and securities
The CET1 ratio of NBH Bank stood at 12.27% in , -0.64 pp year on year. Low and high at NBH Bank since : 9.70% () to 13.51% (). Equity capital of NBH Bank at : $1.7 bn, or 13.3% of total assets. NBH Bank also reported a total capital ratio of 13.39% for , and a tier 1 leverage ratio of 10.27%.
On held-to-maturity securities, NBH Bank carried an unrealized loss of $61.5 mn at , equal to 3.7% of equity capital. The loss narrowed by $2.5 mn over the year. Its deepest point: $106.3 mn in . The available-for-sale portfolio of NBH Bank showed an unrealized loss of $64.1 mn at ; the loss narrowed by $8.4 mn over the year.
NBH Bank: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 10%
NBH Bank: unrealized securities gains and losses
- Available for sale -$64mn
- Held to maturity -$61mn
Profitability and loan quality
For the year to , NBH Bank earned a return on equity of 8.40%; return on assets: 1.09%. Net interest margin at NBH Bank: 4.24%, +0.33 pp in a year. NBH Bank net income: $63.5 mn, up 4.2% year on year. The efficiency ratio of NBH Bank was 65.98%: about 66 cents cost per revenue dollar, against 69 cents at the median peer.
At , noncurrent loans were 0.60% of total loans at NBH Bank; net charge-offs: 0.32% of average loans. Gross loans and leases at NBH Bank: $9.8 bn, up 30.5% in a year.
NBH Bank: profitability
- Return on equity 8.4%
- Net interest margin 4.2%
- Return on assets 1.1%
Peer group of NBH Bank
The peer group of NBH Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of NBH Bank (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Colorado. Against them, NBH Bank shows CET1 ratio 12.27% against a peer median of 12.84%, return on equity 8.40% against a peer median of 10.66% and uninsured deposit share 30.37% against a peer median of 28.18%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Dollar Bank, Federal Savings Bank | Federal savings bank | PA | $12.7 bn | 15.38% | 5.92% | 28.83% | |
| PlainsCapital Bank | State member bank | TX | $12.7 bn | 12.50% | 9.99% | 53.89% | |
| The Park National Bank | National bank | OH | $12.6 bn | 12.24% | 16.37% | 22.29% | |
| NBH Bank | State member bank | CO | $12.5 bn | 12.27% | 8.40% | 30.37% | |
| Happen Bank | National bank | UT | $12.5 bn | 15.57% | 15.94% | 11.97% | |
| First Commonwealth Bank | State nonmember bank | PA | $12.2 bn | 12.24% | 11.32% | 27.53% | |
| Columbia Bank | Federal savings bank | NJ | $12.2 bn | 13.19% | 5.31% | 45.65% | |
. FDIC Call Reports.
Last eight quarters
Two years at NBH Bank, to : assets +25.9%, deposits +22.5%, equity +39.7%. Staff 1,266 to 1,360; offices 91 to 97.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $10.0 bn | $9.8 bn | $10.1 bn | $10.0 bn | $10.1 bn | $9.8 bn | $12.6 bn | $12.5 bn |
| Total deposits | $8.6 bn | $8.4 bn | $8.5 bn | $8.4 bn | $8.6 bn | $8.4 bn | $10.7 bn | $10.6 bn |
| Bank equity capital | $1.2 bn | $1.2 bn | $1.2 bn | $1.3 bn | $1.3 bn | $1.2 bn | $1.6 bn | $1.7 bn |
| CET1 ratio | 11.65% | 11.78% | 12.32% | 12.91% | 13.51% | 13.11% | 12.20% | 12.27% |
| Return on equity (ROE) | 11.59% | 11.29% | 8.71% | 9.99% | 10.52% | 9.47% | 7.79% | 8.40% |
| Uninsured share of domestic deposits | 21.91% | 22.01% | 21.97% | 22.18% | 23.15% | 23.66% | 36.10% | 30.37% |
| Full-time equivalent employees | 1,266 | 1,278 | 1,253 | 1,247 | 1,254 | 1,267 | 1,381 | 1,360 |
| Number of offices | 91 | 91 | 90 | 89 | 89 | 89 | 105 | 97 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of NBH Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Peoples National Bank (FDIC certificate 22211).
- . Absorbed Peoples Bank (FDIC certificate 4751).
- . Absorbed Rock Canyon Bank (FDIC certificate 33542).
- . Absorbed Vista Bank (FDIC certificate 1210).
Large one-quarter moves at NBH Bank
- Total assets at NBH Bank changed by +27.7% in the quarter to 2026-03-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Vista Bank.
Questions and identifiers
What were the total assets of NBH Bank?
NBH Bank reported $12.5 bn at in its Call Report. That makes NBH Bank the 141st largest of 497 banks in our US coverage.
Is NBH Bank the same as its holding company?
No. This page covers NBH Bank, FDIC certificate 59052; National Bank Holdings Corp, its holding company, reports separately to the Federal Reserve.
Is NBH Bank profitable?
NBH Bank reported net income of $63.5 mn for the year to ; annualized return on equity: 8.40%. So yes: NBH Bank made a profit over these months.
When is data for NBH Bank next updated?
Figures from NBH Bank for are due after .
Where can I check the figures for NBH Bank?
In the FDIC BankFind Suite record for certificate 59052, and in the Call Reports of NBH Bank (RSSD ID 4210227) at the FFIEC Central Data Repository.