National Bank Holdings Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	417.06	127.85	190.83	195.51	845.7
Investment Securities	80.63	125.68	174.7	173.94	39.02
Trading Asset Securities	-	40.02	37.7	45.23	10.68
Mortgage-Backed Securities	1,180	983.45	1,089	1,235	1,151
Total Investments	1,261	1,149	1,301	1,454	1,200
Gross Loans	7,433	7,751	7,699	7,220	4,513
Allowance for Loan Losses	-87.42	-94.46	-97.95	-89.55	-49.69
Net Loans	7,346	7,657	7,601	7,131	4,464
Property, Plant & Equipment	214.55	222.67	191.83	169.71	116.45
Goodwill	306.04	306.04	306.04	279.13	115.03
Other Intangible Assets	48.34	50.74	58.67	46.76	6.37
Loans Held for Sale	25.7	24.5	18.85	22.77	139.14
Accrued Interest Receivable	-	2.2	2.3	2.6	1.9
Restricted Cash	-	1.5	3	3	4.5
Other Real Estate Owned & Foreclosed	1.67	0.66	4.09	3.73	7.01
Other Long-Term Assets	263.21	261.77	256.64	245.13	313.1
Total Assets	9,884	9,808	9,951	9,573	7,214
Interest Bearing Deposits	6,088	5,736	5,540	4,535	3,592
Institutional Deposits	-	288.33	289.27	203.2	130.18
Non-Interest Bearing Deposits	2,204	2,214	2,361	3,135	2,506
Total Deposits	8,293	8,238	8,190	7,873	6,228
Short-Term Borrowings	17.35	27.98	31.63	33.08	43.78
Current Portion of Leases	-	5.43	32.1	-	-
Long-Term Debt	54.54	54.51	54.2	53.89	39.48
Federal Home Loan Bank Debt, Long-Term	-	50	340	385	-
Long-Term Leases	-	23.51	-	36.5	20.3
Other Long-Term Liabilities	133.88	103.3	89.94	99.94	42.17
Total Liabilities	8,498	8,503	8,738	8,481	6,374
Common Stock	0.52	0.52	0.52	0.52	0.52
Additional Paid-In Capital	1,172	1,167	1,162	1,160	1,014
Retained Earnings	572.46	508.86	433.13	330.72	289.88
Treasury Stock	-315.4	-301.69	-306.7	-310.34	-457.62
Comprehensive Income & Other	-44.05	-70.04	-76.4	-88.2	-6.96
Shareholders' Equity	1,385	1,305	1,213	1,092	840.11
Total Liabilities & Equity	9,884	9,808	9,951	9,573	7,214
Total Debt	71.89	161.43	457.93	508.47	103.56
Net Cash (Debt)	345.17	6.44	-229.41	-267.74	752.82
Net Cash Growth	5258.92%	-	-	-	44.26%
Net Cash Per Share	8.98	0.17	-6.02	-8.19	24.23
Filing Date Shares Outstanding	37.77	38.05	37.79	37.61	29.96
Total Common Shares Outstanding	37.77	38.05	37.78	37.61	29.96
Book Value Per Share	36.67	34.29	32.10	29.04	28.04
Tangible Book Value	1,031	948.3	848.09	766.31	718.71
Tangible Book Value Per Share	27.29	24.92	22.45	20.38	23.99

Source: S&P Global Market Intelligence. Banks template. Financial Sources.