National Bank Holdings Corp
nationalbankholdings.comWhat Do They Do?
Provides banking services to businesses and consumers, along with trust and wealth management services.
10-K for FY2025, filed Feb 24, 2026
How Do They Make Money?
The bank charges monthly account-service fees and transaction fees, usually collected immediately or the next month; card fees come from debit-card processing, ATM use and merchant services and are paid on that schedule. Trust and wealth fees are flat or tied to account value, while Cambr charges a percentage of deposits placed through its platform.
10-K for FY2025, filed Feb 24, 2026Service charge fees are primarily comprised of monthly service fees, check orders and other deposit account related fees. Other fees…View ↗
Bank card fees are primarily comprised of debit card income, ATM fees, merchant services income and other fees. Debit card income is…View ↗
The trust and wealth management business offers separately managed investment account solutions and trustee services to clients. Services…View ↗
Cambr operates a deposit acquisition and processing platform that generates core deposits from accounts offered through third-party…View ↗
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10-K for FY2025, filed Feb 24, 2026
FY2025 revenue by product or service (Non-interest income) ↗
$47.1M
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10-K for FY2025, filed Feb 24, 2026
$47.1M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Service charges and other account-related fees
Mix
10-K for FY2025, filed Feb 24, 2026 |
50%
FY2022: 50%
|
Service charges and other account-related fees, FY2025
$23.6M Sources
|
Mix |
|
Bank card fees
Usage-based
10-K for FY2025, filed Feb 24, 2026 |
38%
FY2022: 49%
|
Bank card fees, FY2025
$17.8M Sources
|
Usage-based |
|
Other non-interest income
Recurring
10-K for FY2025, filed Feb 24, 2026 |
12%
FY2022: 1.6%
|
Other non-interest income, FY2025
$5.7M Sources
|
Recurring |
Who Are Their Customers?
Businesses and consumers use the bank’s banking centers and online and mobile banking; relationship managers work directly with businesses, and trust and wealth management serves its clients.
10-K for FY2025, filed Feb 24, 2026Through NBH Bank, our primary business is to offer a full range of banking products and financial services to our commercial, business and…View ↗
Our commercial bankers focus on small- to medium-sized businesses and commercial real estate investors/developers with an advisory approach…View ↗
BOJHT is a Wyoming state-chartered bank and a member of the FRB of Kansas City. Our trust and wealth business currently operates under the…View ↗
Do Revenues Turn Into Profits?
Yes. Its net income in FY2025 was larger than its revenue.
10-K for FY2025, filed Feb 24, 2026
$109.6MView ↗
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 5, 2026
Open tableView ↗
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Apr 21, 2026
Completed Vista acquisition and projected fourth-quarter earnings per share above $1.00
Vista added $1.9 billion in loans and $2.2 billion in deposits.
Sources
8-K, filed Apr 21, 2026
On January 7, 2026, the Company completed its acquisition of Vista Bancshares, Inc. (“Vista”), the holding company for Vista Bank, with…View ↗
Growing. Revenue grew 30% in 4 years, from $36.2M in FY2021 to $47.1M in FY2025, about 7% a year.
Digital platform begins offering services
Its digital financial platform has moved from development to an initial rollout, offering working-capital loans and automated business sweep accounts.
10-K for FY2022, filed Feb 28, 2023 10-K for FY2025, filed Feb 24, 2026The Company continues to develop our digital solution 2UniFiSM, a national platform for providing banking services to small and…View ↗
Expansion through our digital solution 2UniFi. During 2025, 2UniFi reached a significant milestone by launching phase one of its buildout.…View ↗
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