secwatch.observer — SEC 8-K summary
======================================

Issuer:     National Bank Holdings Corp (NBHC)
CIK:        0001475841
Form:       8-K
Filed at:   2023-10-24T23:59:59+00:00
Accession:  0001475841-23-000046
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01, 7.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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%.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1475841/000147584123000046/0001475841-23-000046-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1475841/000147584123000046/nbhc-20231024x8k.htm
  HTML page:      https://secwatch.observer/filing/0001475841-23-000046

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer