{"schema_version":"secwatch.filing_event.v1","accession":"0001475841-23-000034","form_type":"8-K","ticker":"NBHC","cik":"0001475841","company_name":"National Bank Holdings Corp","filed_at":"2023-07-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:34.028933+00:00","generated_at":"2026-06-13T06:21:28.952765+00:00","sec_items":["2.02","9.01","7.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"NBHC Q2 2023 EPS $0.85; net income $32.6M; YoY up 88% but QoQ down","bullets":["Diluted EPS $0.85 vs $1.06 Q1 2023 and $0.67 Q2 2022; net income $32.6M down from $40.3M prior quarter.","FTE net interest margin 4.07%, down 32 bps QoQ as cost of funds rose 58 bps to 1.48%.","Average deposits $8.0B (+14.2% annualized); loans $7.4B (+3.8% annualized) with new loan yield 8.2%.","Non-performing loans 0.45% (up from 0.13% Q1) but net charge-offs annualized at 0.02%.","Cambr acquisition integrated; CET1 ratio 11.08%, Tier1 leverage 9.15%, tangible book $20.95."],"urls":{"canonical":"https://secwatch.observer/filing/0001475841-23-000034","json":"https://secwatch.observer/filing/0001475841-23-000034.json","markdown":"https://secwatch.observer/filing/0001475841-23-000034.md","text":"https://secwatch.observer/filing/0001475841-23-000034.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1475841/000147584123000034/0001475841-23-000034-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1475841/000147584123000034/nbhc-20230719x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T06:21:28.952765+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"5209d4d7d2ea5ab1e89dd9125d8cf3a628321691","claim":"National Bank Holdings Corp reported the quarter ended June 30, 2023 results: net income $32.6 million, EPS $0.85.","evidence_excerpt":"Net income totaled $32.6 million or $0.85 per diluted share, compared to net income of $40.3 million or $1.06 per diluted share during the first quarter of 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1475841/000147584123000034/0001475841-23-000034-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended June 30, 2023"},{"label":"Net income","value":"$32.6 million"},{"label":"EPS","value":"$0.85"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}