Full Transcript: National Bank Holdings Q2 2026 Earnings Call

National Bank Holdings (NYSE: NBHC ) reported second-quarter financial results on Wednesday.

The transcript from the company's second-quarter earnings call has been provided below.

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The full earnings call is available at Summary National Bank Holdings Corporation reported a strong first quarter, with net income of $32.6 million and earnings per diluted share of $0.72, marking a 43% increase from the previous quarter.

The company completed the Vista acquisition, contributing to a record $805 million in quarterly loan originations and a 12.4% annualized loan growth.

Net interest margin expanded to 4.06%, supported by higher asset yields, and deposit costs remained low at 1.94%.

Noninterest income rose 16.9% year over year, and noninterest expenses included $15.3 million of acquisition-related costs.

Expense synergies from Vista are expected post-third quarter.

The bank's credit quality remains strong, with a $4 million provision expense and net charge-offs at 34 basis points annualized.

The company is on track to achieve full-year loan growth guidance of 10% and expects to exceed $1 earnings per share in Q4 2026.

Management emphasized successful integration of Vista and future growth opportunities, particularly in Texas and resort markets.

The company increased its dividend and resumed its stock buyback program, reflecting confidence in future earnings and market conditions.

Full Transcript Anna, Operator Good morning everyone, and welcome to the National Bank Holdings Corporation 2026 first quarter earnings call.

My name is Anna, and I will be your conference operator for today.

At this time, all participants are in a listen-only mode.

As a reminder, this conference is being recorded for replay purposes.

I will now turn the call over to Emily Gooden, Chief Accounting Officer and Director of Investor Relations.

Emily Gooden, Chief Accounting Officer & Director of Investor Relations Thank you, Anna, and good morning.

We will begin today's call with prepared remarks followed by a question-and-answer session.

I would like to remind you that this conference call will contain forward-looking statements, including, but not limited to, statements regarding the Company's strategy, loans, deposits, capital, net interest income, noninterest income, margins, allowance, taxes, and noninterest expense.

Actual results could differ materially from those discussed today.

These forward-looking statements are subject to risks, uncertainties, and other factors which are disclosed in more detail in the Company's most recent filings with the U.S.

Securities and Exchange Commission.

These statements speak only as of the date of this call, and National Bank Holdings Corporation undertakes no obligation to update or revise these statements.

In addition, the call today will reference certain non-GAAP measures which National Bank Holdings Corporation believes provide useful information for investors.

Reconciliations of these non-GAAP financial measures to the GAAP measures are provided in the news release posted on the investor relations section of It is now my pleasure to turn the call over and introduce National Bank Holdings Corporation's Chairman and CEO, Mr.

Tim Laney.

Tim Laney, CEO Well, thank you, Emily, and good morning, and thank you for joining us as we discuss National Bank Holdings' first quarter 2026 financial performance.

I'm joined by our President, Aldis Birkans, our Chief Financial Officer, Nicole Van Denabeele, and John Steinmetz, our Executive Vice Chair and Executive Managing Director of Strategic Initiatives.

The NBH team delivered an outstanding first quarter, and we believe we're well positioned to have a very strong year; in fact, momentum across the organization reinforces our belief in our ability to grow our earnings this year and surpass $1 of earnings per share in the fourth quarter.

In the first quarter, we delivered record loan fundings, and our net interest margin expanded to 4.06%.

We experienced positive trends with all credit metrics, and we believe the NBH team is well positioned to deliver meaningful growth in earnings this year.

I want to thank our bankers for their focus on taking market share as well as expanding relationships with existing clients.

I also want to thank our teammates that work diligently behind the scenes to efficiently deliver a great experience for our clients, and on that note, I'll turn the call over to Nicole for greater financial details on the quarter.

Nicole Van Denabeele, Chief Financial Officer Thank you, Tim, and good morning.