| Metric | Value ($ M) | Q1 FY26 | Q2 FY25 |
|---|---|---|---|
| Revenue | 11.94 | 5.1% | 7.4% |
| Total Income | 11.94 | 5.1% | 7.4% |
| Expenditure | -20.67 | 41.7% | 32.1% |
| PBT | 32.61 | 25.7% | 21.5% |
| Net Profit | 26.49 | 27.4% | 22.1% |
| OPM | โ | ||
| NPM | 100.00% | 0.00pp | 0.00pp |
| EPS | 0.58 | 26.1% | 34.8% |
National Bank Holdings Corporation Announces Second Quarter 2026 Financial Results
22 Jul 2026 ยท 22 Jul, 1:47 am
Summary
National Bank Holdings Corporation announced solid second quarter results, with net income rising 27.4% to $26.5 million and diluted earnings per share at $0.58. The company achieved record quarterly loan fundings of $926.9 million, contributing to a 6.8% annualized increase in loans outstanding. Management highlighted strong credit quality, a top-quartile net interest margin, and readiness to integrate recent acquisitions, expressing confidence in continued momentum and long-term value creation.
Key Highlights
- 1
National Bank Holdings Corporation reported net income of $26.5 million for the second quarter of 2026, an increase of 27.4% compared to the prior quarter.
- 2
Diluted earnings per share were $0.58 for the second quarter of 2026.
- 3
The company generated record quarterly loan fundings of $926.9 million in Q2 2026.
- 4
Fully taxable equivalent net interest income increased $0.5 million to $111.5 million in Q2 2026.
- 5
Non-interest income increased $1.8 million, or 9.9%, to $19.8 million in Q2 2026.
- 6
Non-interest expense improved $1.9 million to $95.0 million in Q2 2026.
- 7
The Common Equity Tier 1 ratio stood at 12.29% at June 30, 2026, well in excess of regulatory thresholds.
Management Comments
Tim Laney
We delivered solid second quarter results, with adjusted net income of $35.3 million and earnings of $0.78 per diluted share. Our teams generated record quarterly loan fundings of $926.9 million and 10% year-to-date annualized loan growth while maintaining strong credit quality, reflecting our prudent approach to growth. We grew our adjusted pre-provision net revenue 23% annualized compared to the first six months of the prior year and maintained a top quartile net interest margin through disciplined loan and deposit pricing. Our teams are well prepared to integrate our most recent acquisition this quarter and are positioned to deliver a seamless experience for clients and associates. We are seeing strong momentum across the franchise, supported by our 12.29% Common Equity Tier 1 ratio, fortress balance sheet, and diversified funding sources, which will continue to drive meaningful long-term value for shareholders.
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