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National Bank
National Bank (NBHC) investor relations material
National Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Completed the Vista Bank acquisition, expanding into Texas, Florida, and resort markets, and integrating new bankers.
Achieved 10% growth in tangible book value per share and increased CET1 capital ratio to 14.89%.
Fourth quarter impacted by one-time acquisition costs, strategic securities sale, and resolution of problem loans, resulting in adjusted Q4 net income of $22.7 million ($0.60 per share).
Launched phase one of 2UniFi, an automated SBA loan platform for business clients, with plans for further activation and revenue growth.
Full year 2025 adjusted net income was $117.6 million ($3.06 per share).
Financial highlights
Full-year 2025 net interest margin was 3.94%; Q4 margin was 3.89%, rebounding to 3.97% in December.
Net interest income (FTE) for Q4 2025 was $88.3 million; full year was $356.4 million.
Non-interest income for Q4 was $14.4 million, including $3.3 million in pre-tax securities losses; full year was $67.6 million.
Non-interest expense for Q4 was $72.4 million, including $5.4 million in acquisition-related costs; full year was $264.6 million.
Provision for credit losses in Q4 was $9.1 million; full year was $17.8 million.
Outlook and guidance
Projecting 10% loan growth and 7%-10% earning asset growth in 2026.
2026 net interest margin expected to remain around 4%, excluding future Fed rate moves.
Non-interest income projected at $75-$80 million; non-interest expense at $320-$330 million, with lower expenses in the second half due to integration efficiencies.
2UniFi expected to contribute $2-$4 million in revenue in 2026, with flat expenses at $22 million.
Announced a 3.2% increase in the quarterly dividend and a new $100 million share repurchase program.
2UniFi partnership: Financial impact on NBH
Plan for crossing $10B asset threshold
Vista integration: Loan growth drivers
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Next National Bank earnings date
Q1 202622 Apr, 2026
National Bank
Next National Bank earnings date
Q1 202622 Apr, 2026
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Frequently asked questions
National Bank Holdings Corporation is a bank holding company that operates through NBH Bank. The company offers commercial and personal banking, mortgage lending, and treasury management services in Colorado, Missouri, New Mexico, and surrounding states. It serves small to mid-sized businesses and individuals through branch offices and online platforms. National Bank Holdings Corporation is headquartered in Greenwood Village, Colorado, and its shares are listed on the NYSE.
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