NBH Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
NBH Bank is an FDIC-insured commercial bank. Total assets stand at $12.5B. Returns are in line with industry norms at 1.15% ROA and 8.64% ROE; net interest margin is 4.01%. Regulatory capital is solid, 12.27% CET1 and 13.39% total risk-based capital ratio. Credit metrics are in line with industry norms, 0.79% NPL ratio. NBH operates a 97-branch network.
As of June 30, 2026, NBH Bank reported a CET1 capital ratio of 12.27%, a return on assets of 1.15%, a nonperforming-loan ratio of 0.79%, a Texas ratio of 8.79%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 7800 E Orchard Rd, Greenwood Village, CO 80111
- County
- Arapahoe
- Metro Area
- Denver-Aurora-Centennial, CO
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- December 10, 2010
- Former names
- NBH Bank, National Association (2012-2016)
- Offices
- 97 domestic
- Employees (FTE)
- 1,360
- Domestic deposits
- $10.55B
- Allowance for credit losses
- $110.2M
- Net charge-offs (YTD)
- $14.1M
- Average total assets
- $12.39B
- Average total loans
- $9.70B
- Average interest-bearing deposits
- $7.72B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- December 10, 2010
- FDIC Cert
- 59052
- Fed RSSD
- 4210227
- SEC CIK
- 1475841 → filed by NATIONAL BANK HOLDINGS CORPORATION
- Website
- www.nbhbank.com →
- Parent Holding Company
- NATIONAL BANK HOLDINGS CORPORATION (RSSD 3973888) · NBHC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Laney G. Timothy | CEO | CHIEF EXECUTIVE OFFICER |
| Van Denabeele Nicole | CFO | CHIEF FINANCIAL OFFICER |
| Birkans Aldis | PRES | PRESIDENT |
| Newfield Richard U Jr. | CRO | CHIEF RISK MGMT OFFICER |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full NBH Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock NBH Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
NBH Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.27% | 1.15% | 0.79% | 8.79% | 4.01% |
| Q1 2026 | 12.20% | 0.92% | 0.74% | 8.34% | 3.96% |
| Q4 2025 | 13.11% | 0.80% | 0.91% | 8.59% | 3.95% |
| Q3 2025 | 13.51% | 1.49% | 0.54% | 5.20% | 4.22% |
| Q2 2025 | 12.91% | 1.40% | 0.68% | 5.95% | 3.97% |
| Q1 2025 | 12.32% | 1.05% | 0.59% | 4.87% | 3.90% |
| Q4 2024 | 11.78% | 1.23% | 0.62% | 6.91% | 4.02% |
| Q3 2024 | 11.65% | 1.40% | 0.38% | 4.38% | 3.92% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 92 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| NBH Bank (main office) | Greenwood Village , CO | 80111 | $2.07B |
| West Broadway Branch | Jackson , WY | 83001 | $1.01B |
| Vista Bank Branch | Dallas , TX | 75225 | $848.1M |
| Main Street Branch | Kansas City , MO | 64105 | $349.5M |
| Dallas-Mckinney Branch | Dallas , TX | 75201 | $194.7M |
| Palm Beach Gardens Banking Center Branch | Palm Beach Gardens , FL | 33410 | $175.9M |
| Taos Peoples Branch | Taos , NM | 87571 | $163.9M |
| Austin Branch | Austin , TX | 78731 | $137.9M |
| Excelsior Springs Jesse James Branch # 18 | Excelsior Springs , MO | 64024 | $135.8M |
| Gladstone Branch # 14 | Gladstone , MO | 64118 | $130.6M |
| Kirksville Branch #71 | Kirksville , MO | 63501 | $130.4M |
| Independence Branch # 8 | Independence , MO | 64055 | $130.1M |
| Lubbock 50th Street Branch | Lubbock , TX | 79414 | $128.4M |
| Highland Branch | Denver , CO | 80211 | $124.9M |
| Salt Lake City Branch | Salt Lake City , UT | 84116 | $120.0M |
| Dallas Monticello Branch | Dallas , TX | 75205 | $119.6M |
| 98th Street Lubbock Branch | Lubbock , TX | 79424 | $119.1M |
| Liberty North Branch #28 | Liberty , MO | 64068 | $117.8M |
| Fort Worth Branch | Fort Worth , TX | 76102 | $116.7M |
| Evans Branch | Evans , CO | 80620 | $108.6M |
| Santa Fe Branch | Olathe , KS | 66062 | $107.1M |
| Richmond Spartan Branch # 19 | Richmond , MO | 64085 | $106.4M |
| Charis Bank Branch | Justin , TX | 76247 | $104.3M |
| Maryville Branch # 41 | Maryville , MO | 64468 | $104.0M |
| Leadville Branch | Leadville , CO | 80461 | $102.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 7, 2026 | M&A | merger | SEC |
| January 7, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 7, 2026 | Structure Change | Acquired Vista Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2022 | M&A | merger | SEC |
| September 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2022 | Structure Change | Acquired Rock Canyon Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2018 | M&A | merger | SEC |
| January 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2018 | Structure Change | Acquired Peoples Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2015 | M&A | merger | SEC |
| August 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2015 | Structure Change | Acquired Pine River Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 7, 2011 | M&A | merger | SEC |
| November 7, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 7, 2011 | Structure Change | Acquired Hillcrest Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 22, 2011 | M&A | failure_government_assistance_provided | SEC |
| October 22, 2011 | Structure Change | Acquired Community Banks of Colorado Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 21, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 23, 2011 | M&A | failure_government_assistance_provided | SEC |
| July 23, 2011 | Structure Change | Acquired Bank of Choice Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 22, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| December 11, 2010 | M&A | merger | SEC |
| December 11, 2010 | Structure Change | Acquired Bank Midwest, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 23 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for NBH Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action March 7, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.1% of deposits in CO, rank 11 of 124 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,218 applications, 1,448 loans originated, $553.8M originated, across 38 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about NBH Bank
What are NBH Bank's total assets?
As of the Q2 2026 filing, NBH Bank reported total assets of $12.54 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is NBH Bank headquartered?
NBH Bank is headquartered in Greenwood Village, CO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was NBH Bank founded?
NBH Bank was established in 2010, per the FDIC institution directory.
Is NBH Bank FDIC-insured?
Yes. NBH Bank is an FDIC-insured commercial bank (FDIC Certificate #59052). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates NBH Bank?
NBH Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is NBH Bank's CET1 capital ratio?
NBH Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.27% in its Q2 2026 call report, above regulatory requirements.
How many branches does NBH Bank operate?
NBH Bank operates 97 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is NBH Bank's Texas Ratio?
NBH Bank's Texas Ratio is 8.79% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was NBH Bank previously called?
The charter now named NBH Bank has also operated as NBH Bank, National Association (2012-2016), per FDIC structure-change records.
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