NBHC National Bank Holdings Corp
FY2025 10-K
National Bank Holdings Corp (NBHC) filed its fiscal year 2025 10-K annual report with the SEC on Feb 24, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
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
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
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
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