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NBH Bank

$10B-$250B Specialty: Commercial CO FDIC cert 59052

Greenwood Village, CO

97 branches across CO · MO · TX · KS · UT · WY · NM · FL · ID

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 1 in CO.
  • Deposits +25.9% year over year ($10.6B on the books).
  • Delinquency rate 0.61%.
  • Return on assets 1.09%.
  • Efficiency ratio 65.98% vs a 53.67% peer average.
  • Loan-to-deposit ratio 91.76% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 1 in CO
View $10B-$250B leaderboard (CO) →

NBH Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.32% above tier average
  • + Delinquency Rate 0.40% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 35.8% in tier
  • - ROA 0.30% below tier average
  • - Efficiency Ratio 12.31% above tier average
Get updates when NBH Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Total Assets ? $12.5B
+25.9% YoY -0.2% QoQ
-$31.1B $43.6B
-13.8% YoY
$898.3M
+8.6% YoY
$6.3B
+7.7% YoY
Bottom 12.2% in tier
Total Loans ? $9.7B
+30.6% YoY +1.7% QoQ
-$18.3B $28.0B
-8.6% YoY
$631.7M
+11.0% YoY
$3.2B
+9.4% YoY
21%
Total Deposits ? $10.6B
+25.9% YoY -0.9% QoQ
-$24.9B $35.4B
-14.0% YoY
$762.3M
+8.8% YoY
$4.9B
+7.3% YoY
Bottom 13.7% in tier
Return on Assets ? 1.09%
-11.2% YoY +9.1% QoQ
-0.30% 1.39%
+25.9% YoY
0.96%
+10.1% YoY
1.30%
+12.1% YoY
34%
Net Interest Margin ? 4.24%
+8.4% YoY -3.2% QoQ
+0.32% 3.92%
+8.9% YoY
4.06%
+4.0% YoY
3.95%
+4.9% YoY
83%
Efficiency Ratio ? 65.98%
+18.5% YoY -2.9% QoQ
+12.31% 53.67%
-1.9% YoY
73.51%
-1.0% YoY
70.05%
+2.5% YoY
Bottom 14.4% in tier
Delinquency Rate ? 0.61%
+11.6% YoY +2.4% QoQ
-0.40% 1.01%
-2.8% YoY
0.85%
+17.5% YoY
0.98%
+16.3% YoY
58%
Loan-to-Deposit Ratio ? 91.76%
+3.7% YoY +2.7% QoQ
+9.15% 82.61%
+3.1% YoY
78.96%
+0.3% YoY
79.03%
+2.3% YoY
22%
Non-Interest-Bearing Deposit Share ? 26.24%
-4.0% YoY +0.1% QoQ
+5.66% 20.58%
+4.9% YoY
23.50%
-1.8% YoY
21.98%
-0.6% YoY
68%
Nonperforming Asset Ratio ? 0.51%
+23.1% YoY +4.8% QoQ
-0.23% 0.73%
+5.8% YoY
0.49%
-10.9% YoY
0.69%
+15.8% YoY
50%
Tier 1 Capital Ratio ? 12.27%
-4.9% YoY +0.6% QoQ
-3.08% 15.35%
-0.4% YoY
19.30%
-20.6% YoY
17.09%
+0.8% YoY
32%
Non-Interest Income / Assets ? 0.28%
-9.3% YoY +111.4% QoQ
-0.21% 0.50%
+10.5% YoY
0.55%
+12.7% YoY
0.66%
+5.2% YoY
40%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Noninterest-Bearing 26.2%
-1.1pp YoY
0.0pp QoQ
 +5.2pp 21.0% 23.5% 22.2% 66%
Brokered Deposits 3.2%
+2.4pp YoY
+0.4pp QoQ
 -6.0pp 9.2% 7.4% 8.5% 33%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
C&I 27.7%
+2.8pp YoY
-0.4pp QoQ
 +10.5pp 17.2% 8.4% 12.5% 86%
CRE 42.2%
+0.4pp YoY
+0.7pp QoQ
 +0.2pp 42.0% 42.8% 41.4% 48%
1-4 Family 15.2%
-0.7pp YoY
-0.2pp QoQ
 -7.9pp 23.1% 33.0% 31.3% 30%
Consumer 0.2%
0.0pp YoY
0.0pp QoQ
 -12.7pp 12.9% 3.9% 5.0% 9%

Capital

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
CET1 Ratio 12.3%
-0.6pp YoY
+0.1pp QoQ
 -3.0pp 15.3% 24.9% 19.7% 32%
Leverage Ratio 10.3%
+0.1pp YoY
+0.1pp QoQ
 -0.1pp 10.4% 12.5% 12.6% 55%
Total Capital Ratio 13.4%
-0.7pp YoY
0.0pp QoQ
 -3.1pp 16.5% 26.1% 20.8% 27%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Full-Time Employees 1,360
+113 (+9.1%) YoY
-21 (-1.5%) QoQ
 -1,898 3,258 107 482 30%
Assets per Employee ($) $9.2M
+15.4% YoY
+1.3% QoQ
 -$17.8M $27.0M $7.8M $8.8M 24%
Branch Count 97
+8 (+9.0%) YoY
-8 (-7.6%) QoQ
 -41 137 7 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Past Due 90+ Days 0.3%
+0.2pp YoY
0.0pp QoQ
 -0.1pp 0.4% 0.7% 0.4% 80%
Nonaccrual 0.3%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 0.7% 0.8% 1.0% 18%
Allowance Coverage 1.86x
-14.9% YoY
-6.8% QoQ
 -0.95x 2.81x 12.16x 20.23x 53%
Net Charge-off Rate (YTD) 0.3%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.4% 0.1% 0.2% 74%

Profitability

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
ROE 8.4%
-1.6pp YoY
+0.6pp QoQ
 -4.2pp 12.6% 9.7% 11.6% 19%
Cost of Funds (YTD) 1.9%
0.0pp YoY
-0.1pp QoQ
 -0.1pp 2.0% 1.7% 1.7% 52%
Net Income ($, YTD) $63.5M
+4.2% YoY
— QoQ
 -$233.3M $296.8M $5.4M $40.4M 12%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk
#25 of 67 • Bottom 35.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.61%
(Tier: 1.01%, National: 0.98%)
better than tier avg
67 of 67 Large banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 139 peers in $10B-$250B

Top Strengths (1 metrics)

24
Net Interest Margin
profitability
Value: 4.24%
Peer Median: 3.92%
#24 of 139 Top 16.5% in $10B-$250B

Top Weaknesses (5 metrics)

123
Total Assets
size
Value: $12.54B
Peer Median: $43.60B
#123 of 139 Bottom 12.2% in $10B-$250B
121
Total Deposits
size
Value: $10.55B
Peer Median: $35.42B
#121 of 139 Bottom 13.7% in $10B-$250B
120
Efficiency Ratio
profitability
Value: 65.98%
Peer Median: 53.67%
#120 of 139 Bottom 14.4% in $10B-$250B
111
Total Loans
size
Value: $9.68B
Peer Median: $27.97B
#111 of 139 Bottom 20.9% in $10B-$250B
109
Loan-to-Deposit Ratio
liquidity
Value: 91.76%
Peer Median: 82.61%
#109 of 139 Bottom 22.3% in $10B-$250B
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