{"schema_version":"secwatch.filing_event.v1","accession":"0001475841-25-000015","form_type":"8-K","ticker":"NBHC","cik":"0001475841","company_name":"National Bank Holdings Corp","filed_at":"2025-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.408885+00:00","generated_at":"2026-05-23T09:13:19.400002+00:00","sec_items":["2.02","9.01","7.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"NBHC Q1 EPS $0.63 vs $0.73 prior quarter; provision up on $10.2M fraud charge-off","bullets":["Net income $24.2M ($0.63 EPS), down from $28.2M ($0.73) in Q4 2024 and $31.4M ($0.82) a year ago.","Provision expense $10.2M due to suspected borrower fraud charge-off; net charge-offs 0.80% annualized vs 0.11% prior quarter.","FTE net interest income $88.6M, up $2.9M YoY; NIM 3.93% vs 3.99% Q4 but up 15bps YoY.","Tangible book value per share $25.94, up $0.66; CET1 ratio 13.61%; capital ratios well above 'well capitalized' thresholds.","CEO said excluding fraud charge-off and payroll tax credit, EPS would have beat analyst median estimate."],"urls":{"canonical":"https://secwatch.observer/filing/0001475841-25-000015","json":"https://secwatch.observer/filing/0001475841-25-000015.json","markdown":"https://secwatch.observer/filing/0001475841-25-000015.md","text":"https://secwatch.observer/filing/0001475841-25-000015.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1475841/000147584125000015/0001475841-25-000015-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1475841/000147584125000015/nbhc-20250422x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T09:13:19.400002+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}