NBH Bank
Greenwood Village, Colorado, Arapahoe County
$12.5B in total assets, the 146th largest of 4,309 US banks and 1st of 63 headquartered in Colorado.
- FDIC certificate
- 59052
- Established
- 2010
- Owned by
- National Bank Holdings Corp
- Primary regulator
- FED
- Website
- www.nbhbank.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $12.5B | 14% | $22.5B | |
| Loans | $9.8B | 24% | $14.5B | |
| Deposits | $10.6B | 17% | $18.4B | |
| Return on assets | 1.09% | 30% | 1.30% | |
| Net interest margin | 4.24% | 83% | 3.61% | |
| Efficiency ratio | 66.0% | 86% | 55.1% | |
| Equity to assets | 13.26% | 78% | 11.57% | |
| Loans to deposits | 93% | 74% | 87% |
Growth
Total assets grew 12.0% a year over the last 5 years and 10.5% a year over 10 years, including 4 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2026 | Vista Bank Dallas, TX | $2.5B |
| Sep 2022 | Rock Canyon Bank Provo, UT | $823M |
| Jan 2018 | Peoples Bank Lawrence, KS | $473M |
| Jan 2018 | Peoples National Bank Colorado Springs, CO | $393M |
| Aug 2015 | Pine River Valley Bank Bayfield, CO | $140M |
| Nov 2011 | Hillcrest Bank, National Association Overland Park, KS, an affiliate under the same holding company | $1.3B |
| Oct 2011 | Community Banks of Colorado Greenwood Village, CO | $1.3B |
| Jul 2011 | Bank of Choice Greeley, CO | $954M |
| Dec 2010 | Bank Midwest, National Association Kansas City, MO | $3.9B |
Where they operate
92 branches in 55 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Arapahoe County, CO | $2.1B | 10.4% | 4 of 36 |
| Teton County, WY | $1.2B | 43.1% | 1 of 10 |
| Dallas County, TX | $1.2B | 0.4% | 24 of 109 |
| Jackson County, MO | $659M | 1.2% | 12 of 43 |
| Johnson County, KS | $413M | 1.6% | 17 of 60 |
| Clay County, MO | $384M | 6.5% | 4 of 26 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 5 branches since 2016 (97 to 92, −5.2%). 20 opened, 34 acquired, 59 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 97 | |||
| 2016 | Opened Boulder and Kansas CityClosed 8 in 2 states | 2 | 8 | −6 | 91 |
| 2017 | Sold 3 branches to First State Community BankClosed Denver and Rifle | 0 | 5 | −5 | 86 |
| 2018 | Acquired Peoples Bank and Peoples National BankOpened Lawrence and Questa | 19 | 0 | +19 | 105 |
| 2019 | Sold 1 branch to Four Corners Community BankOpened West Bountiful, closed 4 in 2 states | 1 | 5 | −4 | 101 |
| 2020 | Opened AustinClosed 12 in 5 states | 1 | 12 | −11 | 90 |
| 2021 | Closed 9 in 4 states | 0 | 9 | −9 | 81 |
| 2022 | Acquired Rock Canyon BankOpened Jackson, closed 3 in 2 states | 8 | 3 | +5 | 86 |
| 2023 | Opened 11 in 2 statesClosed 5 in 5 states | 11 | 5 | +6 | 92 |
| 2025 | Opened Salt Lake CityClosed 4 in 3 states | 1 | 4 | −3 | 89 |
| 2026 through Q2 | Acquired Vista BankOpened Dallas, closed 8 in 4 states | 11 | 8 | +3 | 92 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 32% | 25% | |
| Business (C&I) | 27% | 17% | |
| 1-4 family residential | 15% | 21% | |
| Construction and land | 7% | 6% | |
| Multifamily | 3% | 8% | |
| Agricultural | 2% | 0% | |
| Farmland | 1% | 1% | |
| Consumer | 0% | 10% | |
| Other | 13% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 62% | 62% | |
| Noninterest-bearing | 26% | 20% | |
| Time deposits | 12% | 18% |
Brokered deposits are 3.2% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.48% | 0.63% |
| Net charge-offs, annualized | 0.32% | 0.14% |
| Reserves to loans | 1.13% | 1.15% |
| Leverage ratio | 10.27% | 10.25% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Colorado
Largest competitors in Arapahoe County, CO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/nbh