---
schema_version: "secwatch.filing_event.v1"
accession: "0001475841-23-000006"
form_type: "8-K"
ticker: "NBHC"
cik: "0001475841"
company_name: "National Bank Holdings Corp"
filed_at: "2023-01-24T23:59:59+00:00"
generated_at: "2026-06-20T10:40:44.924535+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# NBHC Q4 GAAP EPS $0.44, adjusted $0.91; record NII $96.5M

## Summary
- GAAP net income $16.7M ($0.44/share); adjusted net income $34.5M ($0.91/share) vs $25.3M ($0.80) in Q3.
- Record fully taxable-equivalent NII $96.5M, up 146% annualized; NIM widened 38bps to 4.39%.
- Organic loan growth 21.5% annualized (ex-acquisitions); total loans record $7.2B.
- Net charge-offs 0.04% of loans; non-performing loans 0.23% of total loans.
- FY2022 GAAP EPS $2.18, adjusted $3.05; adjusted ROTCE 13.75%.

## SEC filing metadata
- accession: 0001475841-23-000006
- form_type: 8-K
- ticker: NBHC
- cik: 0001475841
- company_name: National Bank Holdings Corp
- filed_at: 2023-01-24T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01, 7.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1475841/000147584123000006/0001475841-23-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1475841/000147584123000006/nbhc-20230124x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001475841-23-000006
- JSON: https://secwatch.observer/filing/0001475841-23-000006.json
- Plain text: https://secwatch.observer/filing/0001475841-23-000006.txt

## Key facts
- Earnings Releases
  National Bank Holdings Corp reported quarter ended December 31, 2022 results: net income $16.7 million, EPS $0.44 per diluted share.
  - Period: quarter ended December 31, 2022
  - Net income: $16.7 million
  - EPS: $0.44 per diluted share
  - Result: reported results
  source text: Net income totaled $16.7 million or $0.44 per diluted share, compared to $15.8 million or $0.50 per diluted share during the third quarter of 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1475841/000147584123000006/0001475841-23-000006-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.