---
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"
generated_at: "2026-06-09T13:54:19.875002+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# NBHC Q3 net income $36.1M ($0.94 diluted), up 89% YoY; ROTCE 18.38%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01, 7.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001475841-23-000046
- JSON: https://secwatch.observer/filing/0001475841-23-000046.json
- Plain text: https://secwatch.observer/filing/0001475841-23-000046.txt

## Key facts
- Earnings Releases
  National Bank Holdings Corp reported the quarter ended September 30, 2023 results: net income $36.1 million, EPS $0.94 per diluted share.
  - Period: the quarter ended September 30, 2023
  - Net income: $36.1 million
  - EPS: $0.94 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1475841/000147584123000046/0001475841-23-000046-index.htm

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