National Bank Holdings Corp (NYSE: NBHC) is a bank holding company that operates a community banking business serving individuals and businesses. It earns revenue primarily through net interest income on loans and deposits, supplemented by fee-based banking services. The filing references an acquisition of Vista Bancshares, Inc., indicating growth through bank acquisitions, and notes deposit categories including demand, savings, and money market accounts. The company references Federal Home Loan Bank borrowings and relationships with the Federal Reserve, FDIC, and FHLMC, consistent with a conventional commercial bank funding and regulatory structure. A 2023 Omnibus Incentive Plan and a 2023 Equity Unit Incentive Plan are disclosed, reflecting standard public company compensation arrangements. The filing excerpts do not supply specific revenue figures, loan portfolio size, branch counts, headquarters location, founding year, or named executive officers, so those details are omitted here.

Revenue model

Net interest income from loans funded by customer deposits, supplemented by fee income from banking services. Specific revenue figures are not present in the provided filing excerpts.

Products and services

Transaction deposits (demand, savings, and money market deposits), lending products, and general commercial banking services. The filing also references FHA-related activity and Federal Home Loan Bank borrowings as funding tools.

Customers and end markets

Individuals and businesses served through community banking. Specific customer segments, concentrations, or end-market breakdowns are not disclosed in the provided filing excerpts.

Value-chain role

Deposit-taking and lending intermediary operating as a community bank holding company.

Geographic exposure

Not specified in the provided filing excerpts.

Source: SEC 10-K, filed 2026-02-24

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