---
schema_version: "secwatch.filing_event.v1"
accession: "0001475841-23-000015"
form_type: "8-K"
ticker: "NBHC"
cik: "0001475841"
company_name: "National Bank Holdings Corp"
filed_at: "2023-04-19T23:59:59+00:00"
generated_at: "2026-06-16T23:32:56.998125+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# NBHC Q1 net income $40.3M ($1.06 EPS), record ROATCE 20.86%

## Summary
- Net income $40.3M vs $16.7M in Q4 2022; diluted EPS $1.06 vs $0.44.
- Fully taxable equivalent NIM steady at 4.39%; cost of funds rose to 0.90% from 0.43%.
- Total loans grew 7.0% annualized to $7.3B; net charge-offs just 1bp (0.01%).
- Non-performing loans ratio hit record low 0.13%; tangible book value per share $21.76.
- Cambr acquisition closed Apr 3; added $500M in FDIC-insured deposits to balance sheet.

## SEC filing metadata
- accession: 0001475841-23-000015
- form_type: 8-K
- ticker: NBHC
- cik: 0001475841
- company_name: National Bank Holdings Corp
- filed_at: 2023-04-19T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/1475841/000147584123000015/0001475841-23-000015-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1475841/000147584123000015/nbhc-20230419x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001475841-23-000015
- JSON: https://secwatch.observer/filing/0001475841-23-000015.json
- Plain text: https://secwatch.observer/filing/0001475841-23-000015.txt

## Key facts
- Earnings Releases
  National Bank Holdings Corp reported the quarter ended March 31, 2023 results: net income $40,283, EPS $1.06.
  - Period: the quarter ended March 31, 2023
  - Net income: $40,283
  - EPS: $1.06
  - Result: reported results
  source text: National Bank Holdings Corporation (“NBHC”) issued a press release announcing its financial results for the quarter ended March 31, 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/1475841/000147584123000015/0001475841-23-000015-index.htm

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