---
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"
generated_at: "2026-06-13T06:21:28.952765+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# NBHC Q2 2023 EPS $0.85; net income $32.6M; YoY up 88% but QoQ down

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01, 7.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001475841-23-000034
- JSON: https://secwatch.observer/filing/0001475841-23-000034.json
- Plain text: https://secwatch.observer/filing/0001475841-23-000034.txt

## Key facts
- Earnings Releases
  National Bank Holdings Corp reported the quarter ended June 30, 2023 results: net income $32.6 million, EPS $0.85.
  - Period: the quarter ended June 30, 2023
  - Net income: $32.6 million
  - EPS: $0.85
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1475841/000147584123000034/0001475841-23-000034-index.htm

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