NBHC National Bank Holdings Corp

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business model: Regional bank holding company providing banking and financial services through subsidiary banks
• • New regulatory exposure due to assets exceeding $10 billion post-acquisition, losing Durbin Amendment debit interchange fee exemption
• • Strategic regulatory risk focus with increased CFPB oversight and potential capital injection requirements under Federal Reserve “source of strength” policy
• • Total assets grew to over $10 billion from $9.9 billion as of Dec 31, 2025, triggering increased regulatory and compliance costs
• • Heightened risk of regulatory enforcement actions impacting dividends, share repurchases, and capital allocation strategies

Risk Factors

• • Board Audit & Risk Committee oversees cybersecurity risk management program execution
• • CEO-appointed Chief Risk Management Officer leads Enterprise Risk Management Committee including cybersecurity
• • CISO with 15+ years experience directs cybersecurity strategy, reporting to Chief Risk Officer
• • Enterprise Technology Department led by CTO with 25+ years experience handles cybersecurity network operations
• • Internal Audit and third parties evaluate cybersecurity effectiveness, reporting to Audit & Risk Committee annually

Management Discussion & Analysis

• • Revenue $424.0M, net interest income FTE up $3.9M to $356.4M in 2025 vs 2024
• • Operating margin (efficiency ratio ex intangibles) 58.43% vs 58.69% in 2024, net income $109.6M vs $118.8M, adjusted net income $117.6M vs $123.9M
• • Best segment: Non-interest income rose 10.3% to $67.6M driven by gains on investments and trusts; Worst: Loans declined from $7.8B to $7.4B
• • Cash flow & capital: repurchased 416,795 shares for $15.2M; paid $1.20 dividends/share; capex includes $21.6M 2UniFi investment in 2025
• • Outlook: Acquisition of Vista ($2.5B assets) closed; risks include intense deposit competition, interest rate uncertainty, and scaling 2UniFi digital platform

What are the latest NBHC SEC filings in 2026?

National Bank Holdings Corp (NBHC) has filed a 10-K annual report on February 24, 2026, a 10-Q quarterly report on May 7, 2026, an 8-K current report on August 4, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did NBHC file its most recent 10-K annual report?

National Bank Holdings Corp (NBHC) filed its most recent 10-K annual report on February 24, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view NBHC 10-Q quarterly reports?

National Bank Holdings Corp (NBHC)'s most recent 10-Q quarterly report was filed on May 7, 2026. SignalX displays every NBHC 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has NBHC filed recently?

National Bank Holdings Corp (NBHC)'s most recent 8-K was filed on August 4, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find NBHC insider trading activity (Form 4)?

SignalX aggregates every NBHC Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does NBHC file with the SEC?

National Bank Holdings Corp (NBHC) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new NBHC filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for National Bank Holdings Corp (NBHC).

What is NBHC's SEC CIK number?

National Bank Holdings Corp (NBHC)'s SEC CIK (Central Index Key) number is 1475841. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1475841 to look up all NBHC filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find NBHC return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from National Bank Holdings Corp (NBHC) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.