---
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"
generated_at: "2026-05-23T09:13:19.400002+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# NBHC Q1 EPS $0.63 vs $0.73 prior quarter; provision up on $10.2M fraud charge-off

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01, 7.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001475841-25-000015
- JSON: https://secwatch.observer/filing/0001475841-25-000015.json
- Plain text: https://secwatch.observer/filing/0001475841-25-000015.txt

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