# NBH BANK
GREENWOOD VILLAG, CO · FDIC certificate 59052 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $12.54B | |
| Deposits | $10.55B | |
| Loans and leases | $9.79B | |
| Total equity | $1.66B | |
| Loans / deposits | 91.76% (p76 of band) | 85.78% |
| Liquid assets / assets | 13.62% (p7 of band) | |
| Uninsured deposits / deposits | 30.37% (p30 of band) | 38.39% |
| Brokered deposits | 2.72% | |
| Wholesale funding | 3.88% (p24 of band) | |
| FHLB advances / assets | 1.00% | |
| Tier 1 leverage | 10.27% (p54 of band) | 10.17% |
| Unrealized securities loss / equity | -7.56% (p49 of band) | -7.43% |
| AOCI / equity | -0.32% (p50 of band) | |
| ROA (annualized) | 1.09% (p36 of band) | 1.24% |
| Net interest margin | 4.24% (p84 of band) | 3.57% |
| Efficiency ratio | 65.98% (p86 of band) | |
| Noncurrent loans | 0.60% (p47 of band) | 0.66% |
| Net charge-offs (annualized) | 0.24% (p83 of band) | |
| Reserve coverage of noncurrent | 186.05% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 42.00% (p69 of band) | |
| Auto loans | $2.0M (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p8 of band) | |
| Deposits YoY | 25.9% | |
| Employees | 1360 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 1 |  | NIM <2.5% |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | noncurrent p90 |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 4 | deposits shrinking, assets shrinking |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 5 | expense ratio p90 |  |
| 2013-12 | 5 | capital falling | deposits shrinking |
| 2014-03 | 3 |  | noncurrent p90, capital falling |
| 2014-06 | 4 | noncurrent p90 |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 2 |  | assets shrinking, noncurrent p90 |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | uninsured deposits leaving |  |
| 2015-09 | 4 | noncurrent p90 |  |
| 2015-12 | 2 |  | uninsured deposits leaving, noncurrent p90 |
| 2016-03 | 4 | noncurrent p90, assets shrinking, uninsured deposits leaving | expense ratio p90 |
| 2016-06 | 3 | capital falling | assets shrinking, uninsured deposits leaving |
| 2016-09 | 3 | charge-offs p90 | capital falling |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 | capital falling | charge-offs p90 |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 | charge-offs p90 | noncurrent p90, capital falling |
| 2017-12 | 1 |  | charge-offs p90 |
| 2018-03 | 2 | expense ratio p90 |  |
| 2018-06 | 0 |  | reserve under noncurrent, expense ratio p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | uninsured deposits leaving |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | charge-offs p90 |  |
| 2025-06 | 0 |  | charge-offs p90 |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-05 [NBH Bank Invests $1.20 Million in Emerson Electric Co. $EMR - MarketBeat](https://news.google.com/rss/articles/CBMitwFBVV95cUxQMTVHaTFSUWV0Qk04aW9JeEZQT0dUUl9ySUhadllkaXgzVUxQbDZkTW9FcERpZ254bzBvYW5vS1lYWWl5Z3g4eG5SVjZEX1ZzQW9MWE5TWmhRSHNGQ1VCRFRpMG5EVWI2RW5Wa25XQ09oOWJhdEgxaGxjdVhTQ1VySWdXTEVESzBtWHp1VlJ4OS1NbVY2ZHk1b1QtZERvdmU1bTNWVDF4NkNORVF1Yk13Znkxanl2dUk?oc=5) · MarketBeat
- 2026-09-05 [NBH Bank Takes Position in Merck & Co., Inc. $MRK - MarketBeat](https://news.google.com/rss/articles/CBMipwFBVV95cUxQeE0xTjdHSURVcm94OW85WXVXQS04cl95djU2T2ZJUWtwWjU5YlZNREdJejdKU1RHZ3BDZkdaR01PWUZXVjB4R1lhdUZXaWZCQTV3N29qVUlSZ18zaWpleGJ4bFVJZUlLLW1ub0xMVEs4Z2pfeTRMLWFsRFNJS0N4UHFrTDVyOXE4Uk1lenJuYkYweU1OcjlHU0Roc1oxaHNBZWlramEtbw?oc=5) · MarketBeat
- 2026-01-07 [NBH completes $369M Vista Bancshares acquisition, readies for name change - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxNX3Y0SGdHRVVSamVfNG1ONmFLQjZGZVlwd0ZLcS1sTVdLMFY1TjJfVkE5ZWxlbTJwN0JSUlE3U2VIR1pRUHQ5cWM3SkUwZEx6bFl5TUJzZVpyTXFjUFZPSGpFRnVNOXJzcTlyQ3plSXpIWnV1UXo1empjR2VPTEJraTVmNlVWcHp0VUo3amdybU43NnZ4NjhTcg?oc=5) · The Business Journals
- 2026-01-07 [NBH Bank Acquires Vista Bank for $377 Million - PYMNTS.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNMEk1Ni1LVTB4LVh1QUdJbWVpeEdCSTMzZ1c2dVVYMVpxUHNwTkl2T1dZRGIyN1JPTURoa19CMHlmWlZCNEhobm51WnZkN1p1alNNd2sxMDNQdVpQR2ZvYW5RalNaczZqQXN4czdQZ0R0ektncERBWlFlVFZwOFlwT1F1RnFHRUlmOHh1aUljdw?oc=5) · PYMNTS.com
- 2026-01-13 [National Bank Holdings Corporation Completes Vista Bank Acquisition - SoCo Digest](https://news.google.com/rss/articles/CBMipAFBVV95cUxQUlZnS296SzBJQTBxTGs5XzJIVWN1azBBYkc5aExwcFZIUFh2SUZUckVwYW1sRTg3SXRpT1hFR2RiOUFETkhYNFFxazVtc3ZOb3FvMGw1QWpGVXRLbW9XQjh6cEM1WjZVN01BR2V4Ym9YSFQ5R0FycHN2RjBEZnN1S01rZEdCVFoyYVgxbk5pQmdDSUlrTmxlNDhjOEc5QWpHLTVZUQ?oc=5) · SoCo Digest
- 2026-08-05 [National Bank Holdings Corporation Announces Quarterly Dividend - The Manila Times](https://news.google.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?oc=5) · The Manila Times
- 2026-09-05 [NBH Bank Invests $1.68 Million in Procter & Gamble Company (The) $PG - MarketBeat](https://news.google.com/rss/articles/CBMivwFBVV95cUxQcmVhVEtVajBJMnhoWEUwSnFnT0tDaWNJSUxIVWllWTEzSjNhdFQwOWU5WXA3ckZyTWNFRnBweWxMbk9DVFBQcERfeGNCMlpBdzVaWUpKb3BtUXRWbWdkemIwUDc1eHRjMlg2QVhMcHc5QmJVVXBLV2hud2Q4cERxdnRfYVZNZ2tsbnhBVEhmcGdwSU5NSTA3eV9Wam5Dd0NzMVFxN1hoTk9vVTV4SWVNTXVmZS1pNGZYOXZoNzAtcw?oc=5) · MarketBeat
- 2025-09-16 [National Bank Holdings to acquire Texas lender for $369M - Banking Dive](https://news.google.com/rss/articles/CBMimAFBVV95cUxNNkFEUUlOblhja0pFQTE2ZWZMQWNxbzRDRl84RkZUU1FVNjhJeWlJbnBrbHNLZERPSGxtVXEzb0I0QUpFNm50cWdlb0w3aVhBQ2VBa0w5dV9lRkV6SF9jTGMydmdUM3MwNFB1NVpmVnhBZEx5WDNGSGVHbW5VYVk3bjJTTS1wcmdITVk1b2RPaVFfNWlEenFydA?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59052 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/44.json (key "59052", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide