National Bank Holdings Corporation $(NBHC)$ released its fourth quarter (Q4) 2025 financial results, reporting total assets of USD 9.9 billion, total loans of USD 7.4 billion, and total deposits of USD 8.3 billion as of the end of the period. Net income for the quarter stood at USD 142 million. The net interest margin (FTE) was 3.94%, while the allowance for credit losses (ACL) to loans ratio was 1.18%. The efficiency ratio (FTE) was 62.42%. The common equity tier 1 ratio was 14.89%, and the tier 1 leverage ratio was 11.56%. Return on average tangible common equity (ROATCE) was reported at 11.36%. For the full year, NBHC declared a dividend per share of USD 0.94, with a compound annual growth rate of 8%. The company maintains a dividend payout ratio target of 30–40% of earnings. During the period, NBHC announced and completed the acquisition of Vista Bancshares, Inc., closing the transaction in under four months. The company also launched the initial phase of 2UniFi, an innovative financial ecosystem designed to empower business entrepreneurs with treasury management depository capabilities and a streamlined SBA loan offering. NBHC was recognized among the top SBA 7(a) lenders and was named to the KBW Bank Honor Roll. The company was also listed among the 2024 Bank & Thrift Sm-All Stars by Piper Sandler and recognized by Bank Director among top performers in the USD 5–50 billion asset category.

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