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Jun 30, 2025
NBHC Q2 2025 Earnings Report
NBHC reported strong earnings growth and solid asset quality in Q2 2025.
Key Takeaways
National Bank Holdings Corporation posted net income of $34M and EPS of $0.88, supported by a strong net interest margin of 3.95% and stable asset quality metrics, with improved capital ratios.
Net income rose to $34M, up 40% QoQ.
EPS increased to $0.88 per diluted share.
Net interest margin improved to 3.95%.
Common equity tier 1 capital ratio strengthened to 14.17%.
Forward Guidance
Management expects continued growth supported by strong capital levels, disciplined credit management, and expansion initiatives like 2UniFi.
Positive Outlook
- Strong capital position enables growth opportunities
- Continued focus on disciplined credit management
- Stable asset quality with low net charge-offs
- 2UniFi launch expected to drive business banking growth
- Improved efficiency ratio supports profitability
Challenges Ahead
- Slight decline in total deposits QoQ
- Loan growth moderated with slight decline in balances
- Heavy dependence on commercial loans for funding growth
- Ongoing macroeconomic uncertainties may pressure margins
- Non-interest income remains modest compared to peers
Historical Earnings Impact
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Avg. Return Before/After Earnings
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