NBH Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings climbed 7.6% in Q2 2026, from $468.8M to $504.3M. It was the largest change from Q1 2026 among the key lines here. Within Colorado, NBH Bank is 28th of 34 on CET1 ratio, 12.27% as of Q2 2026, below the middle of the field. NBH Bank reported 12.27% on CET1 ratio for Q2 2026, 0.69 points below the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.27% |
| Tier 1 risk-based capital ratio | 12.27% |
| Total risk-based capital ratio | 13.39% |
| Tier 1 leverage ratio | 10.27% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.22B |
| Tier 1 capital | $1.22B |
| Total risk-based capital | $1.34B |
| Total equity capital | $1.66B |
| Risk-weighted assets | $9.97B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.26% |
| Tangible equity to tangible assets | 9.54% |
| Equity capital to average assets | 13.41% |
| Internal capital growth rate | 8.73% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $1.21B |
| Retained earnings | $504.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$49.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.77% | 10.77% | 11.95% | 8.86% | $7.83B |
| Q4 2023 | 10.86% | 10.86% | 12.08% | 8.89% | $7.88B |
| Q1 2024 | 11.12% | 11.12% | 12.37% | 8.99% | $7.76B |
| Q2 2024 | 11.07% | 11.07% | 12.30% | 9.10% | $7.90B |
| Q3 2024 | 11.65% | 11.65% | 12.86% | 9.43% | $7.84B |
| Q4 2024 | 11.78% | 11.78% | 13.00% | 9.53% | $7.82B |
| Q1 2025 | 12.32% | 12.32% | 13.50% | 9.86% | $7.70B |
| Q2 2025 | 12.91% | 12.91% | 14.10% | 10.17% | $7.55B |
| Q3 2025 | 13.51% | 13.51% | 14.71% | 10.54% | $7.41B |
| Q4 2025 | 13.11% | 13.11% | 14.31% | 10.16% | $7.35B |
| Q1 2026 | 12.20% | 12.20% | 13.38% | 10.17% | $9.72B |
| Q2 2026 | 12.27% | 12.27% | 13.39% | 10.27% | $9.97B |
NBH Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock NBH Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full NBH Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59052) · FFIEC NIC profile (RSSD 4210227)