National Bank Holdings Corp — Form 8-K
Filed October 27, 2026 · analyzed by the 8-K Agent
8-K
▼ Likely negative
significance 48/100
What the filing says
NBHC reported a net loss of $8.8M ($0.20/diluted share) in Q3 2026, driven by $40.6M provision expense from credit events in franchise and healthcare loans. On an adjusted basis (excluding $15.2M acquisition/restructuring expenses and $4.0M FinTech impairment), adjusted net income was $2.9M ($0.06/diluted share). Loan portfolio grew 4.9% annualized to $9.9B; deposits increased $96M to $10.3B average. Vista Bank acquisition integration completed successfully; Palm Beach banking center sale pending mid-2027, reducing assets by ~$200M.
Why this rating
Material one-quarter credit spike ($40.6M provision, 0.85% annualized net charge-offs YTD) relative to 1.4B company value; however, offset by solid deposit/loan growth, margin expansion, and completed Vista integration. Non-routine but not trajectory-altering.
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