secwatch.observer — SEC 8-K summary
======================================

Issuer:     National Bank Holdings Corp (NBHC)
CIK:        0001475841
Form:       8-K
Filed at:   2023-01-24T23:59:59+00:00
Accession:  0001475841-23-000006
Event type: earnings
Sentiment:  neutral
Materiality: 0.75
Item codes: 2.02, 9.01, 7.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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%.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1475841/000147584123000006/0001475841-23-000006-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1475841/000147584123000006/nbhc-20230124x8k.htm
  HTML page:      https://secwatch.observer/filing/0001475841-23-000006

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer