National Bank Holdings Corp (NBHC) Form 10-Q — Nov 3, 2026
National Bank Holdings reported a Q3 2026 net loss of $8.8 million ($(0.20) diluted EPS), a sharp reversal from $35.3 million of net income a year earlier. The loss was driven by a $40.6 million provision for credit losses plus ongoing Vista acquisition costs. Total assets grew to $12.7 billion following the January 2026 acquisition of Vista Bancshares, a $377.7 million deal that added $1.9 billion of loans and 12 Texas and Florida banking centers. Nine-month net income fell to $38.5 million from $93.5 million, with $40 million of pre-tax acquisition costs and $61.5 million of gross charge-offs weighing on results.
Key figures
- Eps
- $(0.20) diluted (Q3 2026) vs $0.92 (Q3 2025)
- Revenue
- Net interest income before provision of $112.9 million (Q3 2026) vs $88.2 million (Q3 2025)
- Net Income
- $(8.761) million Q3 2026; $38.5 million nine months 2026 vs $93.5 million nine months 2025
- Total Assets
- $12.727 billion
- Cash Position
- $364.798 million cash and cash equivalents at Sept 30, 2026
- Shares Outstanding
- 44130834
- Acl
- $109.9 million
- Total loans
- $9.893 billion at Sept 30, 2026 vs $7.433 billion at Dec 31, 2025
- Vista goodwill
- $153.4 million
- Nonaccrual loans
- $43.9 million at Sept 30, 2026 vs $24.9 million at Dec 31, 2025
- Vista deal value
- $377.7 million
- Fintech impairment
- $4.0 million
- Gross chargeoffs 9m 2026
- $61.5 million
- Provision expense q3 2026
- $40.6 million
- Provision release q3 2025
- $(1.5) million release
- Vista acquisition costs 9m
- $40.0 million pre-tax
- Dividends declared per share q3
- $0.32
AI analysis
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