BlastPoint's Banking Scorecard
NBH Bank
Greenwood Village, CO
107 branches across CO · MO · TX · KS · UT · WY · NM · ID · FL
NBH Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.60% above tier average
- + Delinquency Rate 0.42% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 71.4% in tier
- - ROA 0.28% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$12.6B
+24.9% YoY
+27.7% QoQ
|
-$34.4B |
$47.0B
-1.9% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 11.7% in tier |
| Total Loans ? |
$9.5B
+25.8% YoY
+29.2% QoQ
|
-$19.8B |
$29.4B
-0.4% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
19% |
| Total Deposits ? |
$10.7B
+24.6% YoY
+26.2% QoQ
|
-$27.8B |
$38.4B
-1.6% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
Bottom 13.9% in tier |
| Return on Assets ? |
1.00%
-5.7% YoY
-15.1% QoQ
|
-0.28% |
1.28%
+18.7% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
32% |
| Net Interest Margin ? |
4.38%
+12.3% YoY
+12.3% QoQ
|
+0.60% |
3.77%
+5.8% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
Top 13.1% in tier |
| Efficiency Ratio ? |
67.96%
+21.3% YoY
+16.5% QoQ
|
+13.96% |
54.01%
-3.7% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 13.9% in tier |
| Delinquency Rate ? |
0.60%
+26.8% YoY
+9.1% QoQ
|
-0.42% |
1.02%
-3.8% YoY
|
0.67%
-8.3% YoY
|
0.95%
+18.8% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
89.39%
+1.0% YoY
+2.4% QoQ
|
+8.60% |
80.79%
+1.9% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
26.21%
-3.6% YoY
-6.3% QoQ
|
+6.17% |
20.04%
+0.2% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.48%
+34.0% YoY
+13.1% QoQ
|
-0.24% |
0.72%
+4.2% YoY
|
0.50%
-1.2% YoY
|
0.67%
+19.3% YoY
|
52% |
| Tier 1 Capital Ratio ? |
12.20%
-0.9% YoY
-6.9% QoQ
|
-3.31% |
15.51%
-0.4% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.13%
-8.3% YoY
-79.5% QoQ
|
-0.09% |
0.22%
+0.3% YoY
|
0.26%
+10.8% YoY
|
0.32%
+4.1% YoY
|
42% |
Get Full Access to NBH Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (1)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.