NBH Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 5.38 percentage points higher than in Q1 2026, at 215.07%. Within Colorado, NBH Bank is 20th of 63 on loan-to-deposit ratio, 92.81% as of Q2 2026, above the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. NBH Bank sits 5.98 points higher, at 92.81% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $9.79B |
| Net loans and leases | $9.68B |
| Loans held for sale | $26.5M |
| Loans to total assets | 78.13% |
| Loan-to-deposit ratio | 92.81% |
| Net loans to equity capital | 5.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.55% |
| Multifamily (5+ residential) | 3.06% |
| Commercial and industrial | 27.39% |
| Consumer | 0.15% |
| Credit cards | 0.00% |
| Farm | 0.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 12.85% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 215.07% |
| Construction concentration (Tier 1 capital + allowance) | 52.37% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.22% |
| Interest income on loans | $148.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $7.50B | $8.24B | 27.56% | 24.94% | 0.26% |
| Q4 2023 | $7.72B | $8.30B | 27.26% | 24.49% | 0.25% |
| Q1 2024 | $7.58B | $8.64B | 27.83% | 24.19% | 0.22% |
| Q2 2024 | $7.74B | $8.51B | 27.73% | 25.18% | 0.22% |
| Q3 2024 | $7.73B | $8.62B | 28.19% | 24.99% | 0.20% |
| Q4 2024 | $7.78B | $8.37B | 29.65% | 24.57% | 0.19% |
| Q1 2025 | $7.66B | $8.55B | 29.56% | 24.82% | 0.17% |
| Q2 2025 | $7.51B | $8.38B | 29.93% | 24.58% | 0.17% |
| Q3 2025 | $7.45B | $8.58B | 29.57% | 25.24% | 0.18% |
| Q4 2025 | $7.46B | $8.44B | 28.24% | 25.48% | 0.18% |
| Q1 2026 | $9.63B | $10.65B | 30.95% | 27.79% | 0.15% |
| Q2 2026 | $9.79B | $10.55B | 31.55% | 27.39% | 0.15% |
NBH Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock NBH Bank, freeSource: Call Report Schedule RC-C, 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)