{"schema_version":"secwatch.filing_event.v1","accession":"0001475841-23-000046","form_type":"8-K","ticker":"NBHC","cik":"0001475841","company_name":"National Bank Holdings Corp","filed_at":"2023-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:29.180118+00:00","generated_at":"2026-06-09T13:54:19.875002+00:00","sec_items":["2.02","9.01","7.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"NBHC Q3 net income $36.1M ($0.94 diluted), up 89% YoY; ROTCE 18.38%","bullets":["Diluted EPS of $0.94 vs $0.50 in 3Q22; adjusted EPS (non-GAAP) $0.80 vs $0.50.","FTE net interest income $89.4M, NIM 3.92%; non-interest income $19.4M (incl. $1.1M MSR gain).","Loans grew 3.4% annualized to $7.5B; deposits rose 5.8% annualized to $8.1B (no crypto/VC exposure).","Annualized net charge-offs just 0.01%; ACL 1.25% of loans; Tier 1 leverage ratio 9.56%."],"urls":{"canonical":"https://secwatch.observer/filing/0001475841-23-000046","json":"https://secwatch.observer/filing/0001475841-23-000046.json","markdown":"https://secwatch.observer/filing/0001475841-23-000046.md","text":"https://secwatch.observer/filing/0001475841-23-000046.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1475841/000147584123000046/0001475841-23-000046-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1475841/000147584123000046/nbhc-20231024x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T13:54:19.875002+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":"2eed670b96c0749d3f90d87b82b2a5686336b78d","claim":"National Bank Holdings Corp reported the quarter ended September 30, 2023 results: net income $36.1 million, EPS $0.94 per diluted share.","evidence_excerpt":"On October 24, 2023, National Bank Holdings Corporation (“NBHC”) issued a press release announcing its financial results for the quarter ended September 30, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1475841/000147584123000046/0001475841-23-000046-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended September 30, 2023"},{"label":"Net income","value":"$36.1 million"},{"label":"EPS","value":"$0.94 per diluted share"},{"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"}