National Bank Holdings Corp (NBHC) Form 8-K — Oct 27, 2026
National Bank Holdings reported a Q3 2026 net loss of $8.8 million, or ($0.20) per diluted share, versus net income of $26.5 million ($0.58) in Q2 2026. The loss was driven primarily by $40.6 million of provision expense on specifically identified commercial credits in the franchise and healthcare industries, plus $15.2 million of acquisition/restructuring costs and a $4.0 million FinTech investment impairment. CEO Tim Laney called the quarter 'deeply disappointing' but noted margin expansion to 4.00% FTE, deposit growth, and successful Vista integration, targeting over $1.00 of EPS in Q4 2026.
Key figures
- Total Debt
- 201884000
- Total Assets
- 12727140000
- Cash Position
- 364798000
- Cet1 ratio
- 11.69%
- Guidance q4
- target of a dollar plus of earnings per share
- Total loans
- $9.9 billion
- Total deposits
- $10.5 billion
- Adjusted eps q3
- $0.06
- Share buybacks q3
- $11.9 million
- Provision expense q3
- $40.6 million
- Tier1 leverage ratio
- 10.00%
- Palm beach asset sale
- ~$0.2 billion loans and deposits
- Adjusted net income q3
- $2.9 million
- Fte net interest income
- $115.2 million
- Net interest margin fte
- 4.00%
- Nonperforming loans ratio
- 0.44%
AI analysis
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