National Bank Holdings Corporation (NBHC)

National Bank Holdings Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	519.77	505.27	461.38	255.67	181.82
Interest Income on Investments	-	33	34.04	29.02	19.15
Total Interest Income	519.77	538.27	495.42	284.69	200.97
Interest Paid on Deposits	171.27	186.19	109.38	14.6	13.6
Interest Paid on Borrowings	-	6.69	24.09	3.26	0.22
Total Interest Expense	171.27	192.88	133.46	17.85	13.82
Net Interest Income	348.51	345.39	361.95	266.84	187.14
Net Interest Income Growth (YoY)	0.90%	-4.58%	35.65%	42.58%	-3.01%
Mortgage Banking Activities	11.09	11.1	13.71	23.77	63.36
Gain (Loss) on Sale of Assets	-	0.6	0.1	-	-
Gain (Loss) on Sale of Investments	-3.35	-1.58	4.04	-	-
Other Non-Interest Income	59.83	50.99	46.15	43.54	47
Total Non-Interest Income	67.57	61.11	63.99	67.31	110.36
Non-Interest Income Growth (YoY)	10.57%	-4.51%	-4.93%	-39.01%	-21.31%
Revenues Before Loan Losses	416.07	406.5	425.94	334.15	297.51
Provision for Loan Losses	17.8	6.76	8.3	36.73	-9.29
Revenue	398.27	399.74	417.65	297.42	306.8
Revenue Growth (YoY)	-0.37%	-4.29%	40.42%	-3.06%	-2.78%
Salaries and Employee Benefits	148.33	138.2	130.48	118.91	121.96
Occupancy Expenses	45.83	33.75	31.45	31.5	25.28
Federal Deposit Insurance	-	5.39	7.01	2.12	1.85
Amortization of Goodwill & Intangibles	7.82	7.94	7.39	2.34	1.18
Selling, General & Administrative	30.78	42.78	40.9	36.96	22.78
Other Non-Interest Expense	31.88	25.56	24.75	19.41	18.77
Total Non-Interest Expense	264.64	253.62	241.97	211.23	191.83
EBT Excluding Unusual Items	133.63	146.12	175.68	86.18	114.97
Asset Writedown	-	-0.88	-0.08	-	-
Pretax Income	133.63	145.25	175.6	86.18	114.97
Income Tax Expense	24.06	26.43	33.55	14.91	21.37
Net Income	109.57	118.82	142.05	71.27	93.61
Preferred Dividends & Other Adjustments	-	0.33	0.24	0.15	0.13
Net Income to Common	109.57	118.49	141.81	71.12	93.47
Net Income Growth	-7.78%	-16.36%	99.30%	-23.86%	5.66%
Basic Shares Outstanding	38	38	38	32	31
Diluted Shares Outstanding	38	38	38	33	31
Shares Change (YoY)	0.07%	0.81%	16.62%	5.19%	-0.03%
EPS (Basic)	2.86	3.10	3.74	2.20	3.04
EPS (Diluted)	2.85	3.08	3.72	2.18	3.01
EPS Growth	-7.47%	-17.20%	70.64%	-27.57%	5.61%
Dividend Per Share	1.230	1.140	1.060	0.960	0.890
Dividend Growth	7.90%	7.55%	10.42%	7.87%	9.88%
Effective Tax Rate	18.00%	18.20%	19.11%	17.30%	18.58%

Updated Jan 27, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q