---
schema_version: "secwatch.filing_event.v1"
accession: "0001475841-25-000003"
form_type: "8-K"
ticker: "NBHC"
cik: "0001475841"
company_name: "National Bank Holdings Corp"
filed_at: "2025-01-22T23:59:59+00:00"
generated_at: "2026-05-27T19:08:29.347156+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# NBHC Q4 net income $28.2M ($0.73 diluted EPS); adjusted EPS $0.86; declares $0.29 dividend

## Summary
- Net income $28.2M vs $33.1M in Q3 2024; diluted EPS $0.73 vs $0.86; adjusted for AFS security loss, EPS $0.86.
- Net interest margin widened 12 bps to 3.99%; FT NII rose $2.5M to $92.0M QoQ.
- Loans grew $36.6M (1.9% annualized) to $7.8B; non-performing loans 0.46% of total loans.
- Board approves $0.29 quarterly cash dividend, payable March 14, 2025 to holders of record Feb 28.
- Pre-tax loss of $6.6M on $130M AFS security sales; adjusted ROATCE 14.40%.

## SEC filing metadata
- accession: 0001475841-25-000003
- form_type: 8-K
- ticker: NBHC
- cik: 0001475841
- company_name: National Bank Holdings Corp
- filed_at: 2025-01-22T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01, 7.01, 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1475841/000147584125000003/0001475841-25-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1475841/000147584125000003/nbhc-20250122x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001475841-25-000003
- JSON: https://secwatch.observer/filing/0001475841-25-000003.json
- Plain text: https://secwatch.observer/filing/0001475841-25-000003.txt

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