Every material Form 8-K National Bank Holdings filed with the SEC in 2025, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
NBHC reported third-quarter 2025 net income of $35.3 million, or $0.92 per diluted share, up from $34.0 million, or $0.88, in the second quarter and $33.1 million, or $0.86, a year earlier. Excluding $1.7 million of pre-tax acquisition-related expenses, adjusted net income was $36.6 million, or $0.96 per diluted share, and the company said it expects to close its pending acquisition of Vista Bancshares in the first quarter of 2026.
Q3 2025 net income $35.3 million, $0.92 per diluted share, versus $34.0 million, $0.88 in Q2 2025 and $33.1 million, $0.86 in Q3 2024
Adjusted for $1.7 million of acquisition-related expenses, net income was $36.6 million, or $0.96 per diluted share
Net interest margin widened three basis points to 3.98%; total loans were $7.4 billion at September 30, 2025, down from $7.5 billion
Pending Vista Bancshares acquisition, valued at approximately $365.4 million, is expected to close in Q1 2026, subject to regulatory and Vista shareholder approval
National Bank Holdings Corporation (NBHC) signed a merger agreement on September 15, 2025, under which Vista Bancshares, Inc. will merge into NBHC, and Vista's bank subsidiary will merge into NBH Bank. Each Vista common share would convert into $31.62 in cash and 3.1161 shares of NBHC common stock, and the boards of both companies unanimously approved the deal. The filing does not state the total deal value or a closing date, and the transaction remains subject to conditions and regulatory approvals.
Merger agreement dated September 15, 2025, among NBHC, Vista Bancshares, Inc. and Vista's shareholders' representative Bryan Wick
Each Vista common share converts into $31.62 in cash plus 3.1161 shares of NBHC common stock
If an NYSE shareholder vote would be required to issue the NBHC shares, the cash amount rises and the exchange ratio falls to avoid that vote
Vista Bank will merge into NBH Bank immediately after the holding company merger
National Bank Holdings Corporation (NBHC) reported second quarter 2025 net income of $34.0 million, or $0.88 per diluted share, up from $24.2 million, or $0.63 per share, in the first quarter. The company recorded no provision for credit losses in the quarter, compared with $10.2 million in the first quarter, which helped lift earnings for shareholders.
Quarterly net income was $34.0 million, or $0.88 per diluted share, versus $24.2 million, or $0.63, in Q1 2025 and $26.1 million, or $0.68, in Q2 2024.
No provision expense for credit losses in Q2 2025, compared with $10.2 million in Q1 2025.
Non-interest income rose $1.7 million to $17.1 million, while non-interest expense was $62.9 million, including $0.3 million of restructuring charges.
Management will hold a conference call at 11:00 a.m. Eastern Time on July 23, 2025.
National Bank Holdings Corporation (NBHC) reported first-quarter 2025 net income of $24.2 million, or $0.63 per diluted share, down from $28.2 million, or $0.73, in the fourth quarter of 2024 and $31.4 million, or $0.82, a year earlier. The decline was driven mainly by $10.2 million of provision expense, recorded primarily for a loan charge-off that the company says involved suspected fraud by the borrower, and management said earnings per share would have exceeded analysts' median estimate excluding that charge-off and a payroll tax credit.
Net income $24.2 million and diluted EPS $0.63 for Q1 2025, versus $0.73 in Q4 2024 and $0.82 in Q1 2024
Provision expense of $10.2 million, mainly for one charge-off linked to suspected borrower fraud, versus $2.0 million in Q4 2024
Fully taxable equivalent net interest margin 3.93%, narrowed six basis points from the prior quarter; common dividend $0.29 per share
Tangible common book value per share rose $0.66 to $25.94 at March 31, 2025; conference call set for 11:00 a.m. ET on April 23, 2025
National Bank Holdings Corporation (NBHC) reported fourth-quarter 2024 net income of $28.2 million, or $0.73 per diluted share, down from $33.1 million, or $0.86, in the third quarter. The results include a $6.6 million pre-tax loss on sales of available-for-sale securities; excluding that loss, net income was $33.2 million, or $0.86 per diluted share. The board also approved a quarterly cash dividend of $0.29 per share.
Q4 2024 net income was $28.2 million, or $0.73 per diluted share, versus $33.1 million, or $0.86, in Q3 2024.
A $6.6 million pre-tax loss on securities sales was recorded in Q4; adjusted for it, net income was $33.2 million, or $0.86 per diluted share.
Full-year 2024 net income was $118.8 million, or $3.08 per diluted share, compared with $142.0 million, or $3.72, in 2023.
The $0.29 per share dividend is payable March 14, 2025, to shareholders of record at the close of business on February 28, 2025.
Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.
Only material 8-Ks get a brief: results, deals, executive changes, restructuring, impairments, delisting notices, restatements, cybersecurity incidents and other disclosed events. Routine filings (vote results, exhibits only) are skipped. Every National Bank Holdings filing is on SEC EDGAR ↗. 8-K briefs of other companies →