National Bank Holdings Corporation (NBHC): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Mergulhe no intrincado mundo da National Bank Holdings Corporation (NBHC), onde o banco inovador encontra precisão estratégica. Em uma era de complexidade financeira, o NBHC se destaca criando um modelo de negócios dinâmico que combina perfeitamente os princípios bancários tradicionais com a tecnologia de ponta e as experiências personalizadas dos clientes. De plataformas digitais robustas a serviços focados na comunidade, sua abordagem abrangente transforma como o banco regional opera, oferecendo um plano atraente para o sucesso financeiro que vai muito além das estratégias bancárias convencionais.

National Bank Holdings Corporation (NBHC) - Modelo de negócios: Parcerias -chave

Provedores de serviços de tecnologia financeira (FinTech)

A National Bank Holdings Corporation faz parceria com fornecedores específicos da FinTech para aprimorar os recursos bancários digitais:

Parceiro	Serviço	Ano de implementação
Fiserv, Inc.	Plataforma bancária principal	2022
Jack Henry & Associados	Soluções bancárias digitais	2023

Redes de bancos regionais e comunitários

O NBHC mantém parcerias estratégicas com redes bancárias regionais:

• Banqueiros comunitários independentes da América (ICBA)
• Associação de Banqueiros Ocidentais
• Associação de Banqueiros do Colorado

Empresas de consultoria de conformidade regulatória

Detalhes da parceria de conformidade:

Empresa de consultoria	Serviço especializado	Valor anual do contrato
Wipfli LLP	Gerenciamento de riscos regulatórios	$375,000
Grupo de Consultoria ABA	Estratégia de conformidade	$285,000

Empresas de gestão de investimentos e patrimônio

Métricas principais de parceria de investimento:

• Raymond James Financial Services
• LPL Financial Holdings
• Total de ativos gerenciados por meio de parcerias: US $ 2,3 bilhões

Parceiros de seguro e gerenciamento de riscos

Detalhes da colaboração de gerenciamento de riscos:

Provedor de seguros	Tipo de cobertura	Limite de cobertura
Seguro de viajantes	Risco comercial	US $ 50 milhões
Chubb Limited	Risco operacional	US $ 35 milhões

National Bank Holdings Corporation (NBHC) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e pessoais

A National Bank Holdings Corporation fornece serviços bancários com ativos totais de US $ 11,5 bilhões a partir do quarto trimestre de 2023. O banco opera 89 locais bancários de serviço completo em Colorado, Kansas, Missouri e Texas.

Categoria de serviço	Volume total	Transação média
Empréstimos comerciais	US $ 3,2 bilhões	$487,000
Contas de corrente pessoal	127.500 contas	Balanço médio de US $ 6.200
Contas de poupança pessoal	92.300 contas	Balanço médio de US $ 12.500

Gerenciamento de patrimônio e consultoria financeira

O NBHC gerencia aproximadamente US $ 2,1 bilhões em ativos de gerenciamento de patrimônio com uma equipe dedicada de 43 consultores financeiros.

• Valor médio do portfólio de clientes: US $ 1,4 milhão
• Produtos de investimento gerenciados: fundos mútuos, ETFs, planejamento de aposentadoria
• Receita consultiva anual: US $ 37,6 milhões

Desenvolvimento da plataforma bancária digital

Os investimentos em plataforma bancária digital totalizaram US $ 12,4 milhões em 2023, suportando 215.000 usuários de bancos digitais ativos.

Serviço digital	Engajamento do usuário	Volume de transação
Mobile Banking	178.500 usuários	3,2 milhões de transações mensais
Bancos online	192.300 usuários	2,7 milhões de transações mensais

Gerenciamento de portfólio de crédito e empréstimo

Valor total da carteira de empréstimos: US $ 8,7 bilhões com empréstimos diversificados entre os setores.

• Empréstimos imobiliários comerciais: US $ 3,5 bilhões
• Empréstimos ao consumidor: US $ 2,1 bilhões
• Empréstimos agrícolas: US $ 1,2 bilhão
• Empréstimos de construção e desenvolvimento: US $ 1,9 bilhão

Avaliação de risco e relatórios financeiros

O NBHC mantém uma estrutura robusta de gerenciamento de riscos com uma equipe dedicada de gerenciamento de riscos de 37 profissionais.

Métrica de risco	2023 desempenho
Razão de empréstimos não-desempenho	0.72%
Reservas de perda de empréstimos	US $ 124,6 milhões
Índice de adequação de capital	12.4%

National Bank Holdings Corporation (NBHC) - Modelo de negócios: Recursos -chave

Forte infraestrutura bancária regional

A partir do quarto trimestre 2023, o NBHC opera 89 locais bancários em Missouri, Kansas, Colorado e Texas. Total de ativos bancários: US $ 16,2 bilhões. A cobertura da rede abrange 4 estados com presença concentrada em áreas metropolitanas.

Estado	Número de ramificações	Distribuição de ativos
Missouri	42	45% do total de ativos
Kansas	22	25% do total de ativos
Colorado	15	18% do total de ativos
Texas	10	12% do total de ativos

Tecnologia Bancária Digital Avançada

Investimento de infraestrutura de tecnologia: US $ 47,3 milhões em 2023. Os recursos da plataforma digital incluem:

• Aplicativo bancário móvel com criptografia de 256 bits
• Sistema de monitoramento de transações em tempo real
• Mecanismos de detecção de fraude movidos a IA
• Sistema bancário de núcleo baseado em nuvem

Equipe de gestão financeira experiente

Time de Liderança Executiva Possuir Média: 18,6 anos no setor bancário. Detalhes do pessoal -chave:

Posição	Anos de experiência	Instituição anterior
CEO	27 anos	Wells Fargo
Diretor Financeiro	22 anos	Bank of America
CTO	15 anos	JPMorgan Chase

Banco de dados robusto do cliente

Base total de clientes: 276.000 em dezembro de 2023. Remotes de segmentação:

• Clientes bancários pessoais: 68%
• Clientes bancários de negócios: 27%
• Clientes de gerenciamento de patrimônio: 5%

Capacidades abrangentes de serviço financeiro

Distribuição de receita do portfólio de serviços para 2023:

Categoria de serviço	Receita	Porcentagem da receita total
Empréstimos comerciais	US $ 287,5 milhões	42%
Bancos pessoais	US $ 196,3 milhões	29%
Gestão de patrimônio	US $ 93,7 milhões	14%
Serviços de investimento	US $ 102,9 milhões	15%

National Bank Holdings Corporation (NBHC) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para empresas e indivíduos

A National Bank Holdings Corporation fornece serviços bancários personalizados com uma carteira total de empréstimos de US $ 5,97 bilhões a partir do quarto trimestre de 2023. O banco oferece soluções bancárias comerciais e pessoais especializadas em vários segmentos.

Segmento de clientes	Soluções bancárias	Tamanho médio do empréstimo
Pequenas empresas	Linhas de crédito comerciais	$375,000
Clientes individuais	Verificação/economia pessoal	$42,500

Taxas de juros competitivas e produtos financeiros

O NBHC oferece taxas de juros competitivas em vários produtos financeiros:

• Conta de poupança pessoal: 3,75% APY
• Verificação de negócios: taxa de juros de 2,25%
• Empréstimos hipotecários: a partir de 6,25% APR
• Certificado de depósito: até 4,50% APY

Experiência no mercado local e abordagem focada na comunidade

Operando em 7 estados com 89 locais bancários, o NBHC mantém uma forte presença regional, com US $ 8,2 bilhões em ativos totais em dezembro de 2023.

Banco digital avançado e plataforma móvel

Recursos da plataforma bancária digital:

Serviço digital	Taxa de adoção do usuário
Aplicativo bancário móvel	67% da base de clientes
Pagamento on -line	58% dos usuários ativos
Depósito de cheque móvel	53% dos usuários de aplicativos móveis

Serviços abrangentes de gerenciamento de patrimônio

Desempenho do segmento de gerenciamento de patrimônio:

• Ativos sob gestão: US $ 1,3 bilhão
• Valor médio do portfólio de clientes: $ 625.000
• Receita de gerenciamento de patrimônio: US $ 42,5 milhões em 2023

National Bank Holdings Corporation (NBHC) - Modelo de Negócios: Relacionamentos ao Cliente

Modelo bancário baseado em relacionamento

Nacional Bank Holdings Corporation mantém um abordagem bancária personalizada Mercados comunitários e regionais da comunidade.

Segmento de clientes	Tipo de relacionamento	Nível de serviço
Clientes comerciais	Gerentes de relacionamento dedicados	Suporte de alto toque
Bancos pessoais	Serviços financeiros personalizados	Consulta personalizada

Representantes bancários pessoais dedicados

O NBHC fornece aos representantes bancários especializados um portfólio médio de clientes de 150-200 clientes por representante.

• Tempo médio de resposta: 24-48 horas
• Conselhos financeiros personalizados
• Revisões trimestrais do portfólio

Plataformas de atendimento ao cliente online e móvel

Plataforma digital	Usuários ativos	Volume de transação
Aplicativo bancário móvel	87.500 usuários	1,2 milhão de transações mensais
Portal bancário online	65.300 usuários	850.000 transações mensais

Engajamento da comunidade e apoio local

O NBHC investe em relacionamentos da comunidade local por meio de programas de apoio direcionados.

• Investimento comunitário anual: US $ 1,3 milhão
• Eventos de patrocínio local: 42 anualmente
• Programas de alfabetização financeira comunitária: 18 workshops

Consulta financeira personalizada

Serviços de consulta especializados em vários segmentos bancários.

Tipo de consulta	Duração média	Taxa de satisfação do cliente
Consulta bancária pessoal	45-60 minutos	92% de satisfação
Estratégia bancária de negócios	90-120 minutos	88% de satisfação

National Bank Holdings Corporation (NBHC) - Modelo de Negócios: Canais

Rede de ramificação física

A partir de 2024, a National Bank Holdings Corporation opera 76 localizações de filiais físicas principalmente em Colorado, Kansas e Missouri.

Estado	Número de ramificações
Colorado	42
Kansas	19
Missouri	15

Plataformas bancárias digitais

A plataforma bancária digital da NBHC suporta 98.5% de transações de clientes através de canais online e móveis.

Aplicativos bancários móveis

O aplicativo móvel do banco foi baixado mais de 125.000 vezes com um 4.7/5 Classificação do usuário.

• Disponível em plataformas iOS e Android
• Suporta depósito de cheque móvel
• Monitoramento de contas em tempo real
• Recursos de transação seguros

Site bancário online

O site bancário online da NBHC processa aproximadamente US $ 1,2 bilhão em transações mensais.

Recurso do site	Porcentagem de uso
Gerenciamento de contas	92%
Pagamento de contas	67%
Transferências de fundos	55%

Centros de atendimento ao cliente

O NBHC mantém dois centros de atendimento ao cliente centralizado que lidando com uma média de 22.500 interações com os clientes por mês.

• Tempo médio de resolução de chamadas: 7,2 minutos
• Taxa de satisfação do cliente: 94%
• Disponibilidade de suporte 24/7

National Bank Holdings Corporation (NBHC) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas

A partir do quarto trimestre de 2023, a National Bank Holdings Corporation atende a aproximadamente 12.500 empresas pequenas e médias em suas regiões operacionais.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Negócios de varejo	5,600	$375,000
Serviços profissionais	3,900	$425,000
Fabricação	2,000	$550,000

Clientes bancários de varejo individuais

O NBHC atende 287.000 clientes bancários de varejo individuais em vários estados.

• Contas de corrente pessoal: 186.000
• Contas de poupança pessoal: 142.000
• Usuários do Banco Digital: 215.000

Indivíduos de alta rede

O banco mantém um segmento especializado para clientes de alta rede com ativos superiores a US $ 1 milhão.

Categoria de cliente	Número de clientes	Valor médio do portfólio
Segmento de alta rede	4,250	US $ 3,2 milhões

Empresas comunitárias locais

O NBHC suporta 2.350 empresas comunitárias locais com soluções financeiras direcionadas.

• Organizações sem fins lucrativos: 890
• Entidades do governo local: 450
• Instituições educacionais: 210
• Projetos de desenvolvimento comunitário: 800

Clientes comerciais regionais

O banco atende 1.750 clientes comerciais regionais com serviços bancários abrangentes.

Setor comercial	Número de clientes	Linha de crédito médio
Imobiliária	650	US $ 2,1 milhões
Assistência médica	350	US $ 1,8 milhão
Tecnologia	250	US $ 1,5 milhão
Agricultura	500	US $ 1,2 milhão

National Bank Holdings Corporation (NBHC) - Modelo de negócios: estrutura de custos

Manutenção de infraestrutura de tecnologia

Em 2023, o NBHC registrou despesas de tecnologia e equipamentos de US $ 23,4 milhões. A quebra dos custos de infraestrutura tecnológica inclui:

Categoria de tecnologia	Custo anual
Manutenção de sistemas de TI	US $ 8,7 milhões
Infraestrutura de segurança cibernética	US $ 6,2 milhões
Plataformas bancárias digitais	US $ 5,5 milhões
Sistemas de rede e comunicação	US $ 3 milhões

Compensação e treinamento de funcionários

As despesas totais relacionadas aos funcionários para o NBHC em 2023 foram de US $ 132,6 milhões, que incluíram:

• Salários e salários: US $ 98,4 milhões
• Benefícios dos funcionários: US $ 24,2 milhões
• Treinamento e desenvolvimento profissional: US $ 10 milhões

Despesas de operação de ramificação

Os custos operacionais da rede de filiais da NBHC para 2023 totalizaram US $ 45,3 milhões, com a seguinte alocação:

Categoria de despesa de ramificação	Custo anual
Aluguel e instalações	US $ 22,6 milhões
Utilitários	US $ 7,9 milhões
Manutenção e reparos	US $ 5,8 milhões
Segurança da filial	US $ 9 milhões

Custos de conformidade regulatória

As despesas de conformidade regulatória da NBHC em 2023 totalizaram US $ 18,7 milhões, que incluíram:

• Taxas legais e de consultoria: US $ 7,5 milhões
• Software e sistemas de conformidade: US $ 5,2 milhões
• Despesas de auditoria e relatório: US $ 6 milhões

Despesas de marketing e aquisição de clientes

Os custos de marketing e aquisição de clientes para o NBHC em 2023 foram de US $ 16,5 milhões, distribuídos da seguinte forma:

Categoria de marketing	Custo anual
Marketing digital	US $ 6,8 milhões
Publicidade tradicional	US $ 4,2 milhões
Campanhas de aquisição de clientes	US $ 5,5 milhões

National Bank Holdings Corporation (NBHC) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e produtos de crédito

Para o ano fiscal de 2023, a National Bank Holdings Corporation registrou receita de juros líquidos de US $ 258,7 milhões. A quebra da carteira de empréstimos é a seguinte:

Categoria de empréstimo	Valor total do portfólio
Imóveis comerciais	US $ 2,1 bilhões
Imóveis residenciais	US $ 1,3 bilhão
Empréstimos comerciais e industriais	US $ 987 milhões
Empréstimos ao consumidor	US $ 456 milhões

Taxas de serviço bancário

A receita da taxa de serviço para 2023 totalizou US $ 43,2 milhões, com a seguinte composição:

• Taxas de manutenção de conta: US $ 18,7 milhões
• Taxas de transação: US $ 15,5 milhões
• Taxas de cheque especial e NSF: US $ 9 milhões

Comissões de gerenciamento de patrimônio

A receita de gestão de patrimônio para 2023 atingiu US $ 37,5 milhões, com ativos sob gestão em US $ 3,2 bilhões.

Serviço de gerenciamento de patrimônio	Receita da Comissão
Gerenciamento de investimentos	US $ 22,3 milhões
Planejamento financeiro	US $ 8,7 milhões
Planejamento de aposentadoria	US $ 6,5 milhões

Serviços de consultoria de investimentos

Os serviços de consultoria de investimentos geraram US $ 25,6 milhões em receita para 2023, com ativos consultivos totalizando US $ 2,8 bilhões.

Taxas de transação e manutenção de contas

As taxas de transação e manutenção de contas para 2023 totalizaram US $ 33,4 milhões:

• Taxas de transferência de fio: US $ 7,2 milhões
• Taxas de transação ATM: US $ 6,8 milhões
• Taxas bancárias online e móveis: US $ 12,4 milhões
• Taxas de análise de conta: US $ 7 milhões

National Bank Holdings Corporation (NBHC) - Canvas Business Model: Value Propositions

You're looking at the core reasons clients choose National Bank Holdings Corporation (NBHC) over the competition. It boils down to a mix of high-touch service and demonstrable financial strength in key growth areas.

High-quality, personalized client service across all banking segments.

NBHC emphasizes a relationship-driven approach, which you see reflected in their physical footprint. The company operates a network of over 85 banking centers across its core footprint, which includes Colorado, the greater Kansas City region, Utah, Wyoming, Texas, New Mexico, and Idaho. This physical presence supports the robust digital offerings they provide to consumer clients. Honestly, the fact that CEO Tim Laney highlighted commitment to quality service in their Q3 2025 commentary suggests this remains a primary differentiator.

Comprehensive commercial and treasury management services for small-to-medium businesses.

For small- to medium-sized businesses, National Bank Holdings Corporation, through NBH Bank, offers a full suite of commercial and treasury management services designed to help them grow. This focus on business banking has yielded long-term results; gross loans have grown at more than 13% annualized over the past decade. For your business clients, this means access to the tools needed to manage working capital effectively, a major focus for corporate clients in the current rate environment.

Full suite of wealth management and trust services via Bank of Jackson Hole Trust.

The trust and wealth management offering is anchored by the Wyoming-chartered Bank of Jackson Hole Trust. This specialized unit is actively managing assets, as evidenced by their Q3 2025 13F filing, which reported a managed portfolio value of $199.74 million. Furthermore, the trust income component is a growing part of the non-interest income picture, increasing by $0.7 million in the third quarter of 2025 alone. It's a clear value-add for clients needing estate planning alongside their commercial banking needs.

Regional expertise in dynamic, high-growth markets like Colorado and Texas.

NBHC isn't trying to be everywhere; they are focused on specific high-growth regions. Their banking centers are concentrated in areas like Colorado and Texas, which management specifically noted as dynamic Sunbelt states. This regional focus allows for deeper market understanding, which is crucial when underwriting commercial loans in those specific economies.

A strong, well-capitalized balance sheet providing financial stability.

Financial stability is a core value proposition, especially in the regional banking sector. You can see this strength reflected in their regulatory capital positions as of September 30, 2025, which were well in excess of the 'well capitalized' thresholds. Here's a quick look at the key ratios from that period:

Capital Metric (As of September 30, 2025)	Ratio	Amount
Common Equity Tier 1 Risk Based Capital (Consolidated)	14.69%	N/A
Tier 1 Leverage Ratio (Consolidated)	11.49%	N/A
Loan to Deposit Ratio	87.7%	N/A

This strong capital base supports operations and growth. For instance, the tangible book value per share grew by 12% annualized during Q3 2025, showing that the firm is effectively building shareholder equity. Shareholders have also seen a commitment to returns, with the company increasing its quarterly dividend to $0.31 per share, implying an annualized payout of $1.24.

The value proposition is built on this foundation:

• Delivering a Net Interest Margin that remains competitive, reported at 3.98% in the most recent quarter.
• Maintaining solid credit quality, with non-performing loans reduced by 20% in Q3 2025.
• Generating consistent profitability, with Q3 2025 Net Income at $35.3 million.

Finance: draft the 13-week cash view by Friday, focusing on the impact of the pending Vista acquisition mentioned in the Q3 commentary.

National Bank Holdings Corporation (NBHC) - Canvas Business Model: Customer Relationships

You're looking at how National Bank Holdings Corporation (NBHC) builds and maintains its connections with clients across its footprint of over 90 banking centers across Colorado, the greater Kansas City region, Utah, Wyoming, Texas, New Mexico, and Idaho. This is about more than just transactions; it's about dedicated service channels.

Dedicated relationship managers are central to the commercial and private banking approach. This high-touch model supports the growth in client activity, evidenced by commercial banking, specifically in the C&I (Commercial & Industrial) portfolio, expanding at an annualized rate of 8.7% in the second quarter of 2025. This focus on relationship-driven commercial franchise building is key.

For wealth and trust management, the service is high-touch advisory, delivered through its subsidiary, Bank of Jackson Hole Trust. This segment supports clients with trust and estate planning services, complementing the commercial and consumer offerings.

The commitment to community is formalized through engagement like the annual 'Do More' charitable events. Through these events, National Bank Holdings Corporation has raised over $1.8 million in charitable contributions for various non-profits. Furthermore, all associates receive paid time-off to volunteer their time and talents in the communities served.

Automation supports the relationship model via the '2Unify' digital and mobile banking channels. While management noted an expected increase in '2Unify' expense in the second half of 2025, the bank is optimistic about the unique growth opportunities from continued investments in 2UniFi and the Cambr® platform, which saw 47% year-over-year platform deposit growth in 2024. This digital push exists within a broader trend where 72% of global banking customers prefer using mobile apps for core services as of 2025, and over 83% of U.S. adults have used digital banking services.

Proactive communication on credit quality is a tangible measure of the bank's stewardship. For instance, as of the third quarter of 2025, non-performing loans fell 20% quarter-over-quarter to $27 million. The allowance for credit losses as a percentage of loans stood at 1.18% as of March 31, 2025, showing reserve adequacy against potential issues. The non-performing loan ratio was reported below peer averages at 45 basis points of total loans in the second quarter of 2025.

Here is a snapshot of how these relationship-focused metrics stack up:

Relationship Metric Focus Area	Latest Reported Value/Amount	Reporting Period/Context
Annual Charitable Fundraising (Do More Events)	$1.8 million	Cumulative through recent events
Commercial Portfolio Growth (Annualized)	8.7%	C&I Portfolio, Q2 2025
Non-Performing Loans (Absolute Amount)	$27 million	Q3 2025 End
Non-Performing Loan Ratio	45 basis points	Q2 2025
Allowance for Credit Losses / Loans	1.18%	As of March 31, 2025
Digital Platform Deposit Growth (YoY)	47%	Cambr® platform, 2024

The bank's commitment to personalized service is also reflected in its operational structure, which includes specialized services:

• Dedicated relationship managers for commercial and private banking clients.
• High-touch advisory services for wealth and trust management.
• Community-focused engagement via annual 'Do More' events.
• Automated self-service through '2Unify' digital channels.
• Proactive reporting on credit quality metrics.

Finance: draft 13-week cash view by Friday.

National Bank Holdings Corporation (NBHC) - Canvas Business Model: Channels

You're looking at how National Bank Holdings Corporation (NBHC) gets its value proposition to the customer, which is a mix of old-school presence and modern tech. Here's the breakdown on their Channels as of late 2025, grounded in their Q3 2025 disclosures.

Physical branch network of over 90 banking centers in key regions.

National Bank Holdings Corporation operates a network of over 90 banking centers as of October 2025. This physical footprint is key for community banking and serving clients who still want face-to-face service. These centers are strategically located across their core footprint.

• Colorado (e.g., Community Banks of Colorado)
• Greater Kansas City region (e.g., Bank Midwest)
• Utah, Texas, New Mexico (e.g., Hillcrest Bank)
• Wyoming (e.g., Bank of Jackson Hole)
• Idaho (e.g., Hillcrest Bank)

Robust digital banking platforms for consumer and business clients.

The digital side is clearly important, given how deposits are structured. At September 30, 2025, average transaction deposits-which heavily rely on digital access-totaled $7.1 billion. This represented 86.3% of total average deposits for the quarter.

'2Unify' mobile application for on-the-go account access and transactions.

The '2Unify' platform is a significant area of investment for National Bank Holdings Corporation. For the fourth quarter of 2025, the company projected non-interest expense related to '2Unify' to be in the range of $7 million to $9 million, excluding acquisition costs. This spend signals a commitment to the mobile channel.

Residential mortgage banking group for specialized loan origination.

The residential mortgage banking group is a specialized channel that primarily serves the bank's core footprint. This group contributes to the overall non-interest income stream. For the third quarter of 2025, mortgage banking income specifically increased by $0.3 million. Non-interest income overall for Q3 2025 reached $20.7 million.

Direct sales force for commercial and treasury management services.

The direct sales force targets small- to medium-sized businesses for commercial and treasury management services. The commercial portfolio shows activity, with the commercial and industrial (C&I) portfolio showing an annualized growth rate of 8.7%.

Here's a quick look at the financial metrics tied to these channels from the Q3 2025 results:

Channel/Metric Category	Financial/Statistical Data Point	Period/Date
Physical Network Size	Over 90 banking centers	October 2025
Digital Channel Deposit Mix	86.3% of total deposits	September 30, 2025
Digital Channel Deposit Value	Average transaction deposits of $7.1 billion	Q3 2025
Mobile App Investment (Expense)	Projected $7 million to $9 million	Q4 2025
Mortgage Banking Contribution (Non-Interest Income)	Increase of $0.3 million	Q3 2025
Commercial Portfolio Growth (Sales Force Activity)	C&I portfolio annualized growth of 8.7%	Q3 2025

The company also reported that its Common Equity Tier 1 capital ratio stood strong at 14.7% at the end of Q3 2025, which supports the capital-intensive nature of maintaining a physical network and investing in digital platforms.

National Bank Holdings Corporation (NBHC) - Canvas Business Model: Customer Segments

Small-to-medium-sized businesses (SMBs) requiring commercial lending and treasury services.

National Bank Holdings Corporation serves small, medium, and large businesses through its NBH Bank subsidiary, operating under brands like Community Banks of Colorado, Bank Midwest, and Hillcrest Bank. Commercial lending is a primary focus for this segment. As of December 31, 2024, Commercial loans accounted for 60.2% of the total loan portfolio carrying value. Commercial real estate non-owner occupied loans were valued at $1,812,338 (carrying value at December 31, 2024). The company is also focused on digital tools for SMBs through the UniFi platform for borrowing, depository, and cash management needs.

Affluent consumers and high-net-worth individuals utilizing wealth and trust services.

This segment is served by Bank of Jackson Hole Trust. Trust income showed growth, increasing by $0.7 million during the third quarter of 2025.

Mass-market consumers seeking standard deposit and residential mortgage products.

Individual consumers utilize standard deposit products. At September 30, 2025, average total deposits were $8.2 billion, with average transaction deposits at $7.1 billion. The mix of transaction deposits to total deposits was 86.3% as of September 30, 2025. The company also operates a comprehensive residential mortgage banking group.

Clients in Sunbelt states like Colorado, Texas, and Wyoming.

National Bank Holdings Corporation operates a network of over 85 banking centers across its core footprint. This footprint includes Colorado, Texas, and Wyoming, alongside the greater Kansas City region, Utah, New Mexico, and Idaho. The company is actively deepening its presence in Texas, having announced the acquisition of Vista Bancshares for $369.1M based on the September 12, 2025, closing price. Post-completion (expected Q1 2026), the combined entity is projected to have pro forma assets of about $12.4B and pro forma deposits of approximately $10.4B.

Here's a quick look at the balance sheet metrics relevant to these customer bases as of late 2025 reports:

Metric	Value as of Date
Total Loans	$7.5 billion (June 30, 2025)
Loan to Deposit Ratio	87.7% (September 30, 2025)
Transaction Deposits to Total Deposits Mix	86.3% (September 30, 2025)
Total Banking Centers	Over 85

The customer base is served through several distinct operating brands:

• Community Banks of Colorado (Colorado)
• Bank Midwest (Kansas and Missouri)
• Hillcrest Bank (Texas, Utah, New Mexico, Idaho)
• Bank of Jackson Hole (Wyoming)

The company maintains a commitment to stakeholder results across its diverse client base, which includes individual consumers, SMBs, and government/non-profit entities.

National Bank Holdings Corporation (NBHC) - Canvas Business Model: Cost Structure

You're looking at the hard numbers driving National Bank Holdings Corporation's expenses as of late 2025. This is where the rubber meets the road on their efficiency drive.

Interest Expense on Deposits

The cost of funding remains a key variable, though National Bank Holdings Corporation has seen some favorable movement in its cost of funds.

• For the third quarter of 2025, the fully taxable equivalent net interest margin (NIM) stood at 3.95%.
• This NIM was supported by a 22 basis point improvement in the cost of funds during Q3 2025.
• As of June 30, 2025, non-interest bearing deposits represented 26.22% of total deposits.
• In the second quarter of 2025, the cost of funds totaled 2.07%.

Personnel Expenses

National Bank Holdings Corporation has been aggressive on the compensation front, realizing significant savings.

The core bank annualized personnel expense run rate saw a 10% reduction. This reduction was part of a targeted $15 million annual expense reduction announced in Q2 2025.

Here's a look at the expense environment around the personnel cost control efforts:

Metric	Q2 2025 (Reported)	Q3 2025 (Reported)
Non-interest Expense (Total)	$62.9 million	$67.2 million
Non-recurring Restructuring Charges (Included in Non-interest Expense)	$0.3 million	N/A

Non-Interest Expense Projection

Looking ahead, management provided a clear range for the remainder of the year.

Non-interest expense is projected to be between $126 million and $128 million for the second half of 2025.

Technology and Infrastructure Investment

Investment in the '2Unify' platform is a clear cost driver, especially as it rolls out.

National Bank Holdings Corporation made a $5 million strategic investment in Nav to help power the 2Unify financial ecosystem.

The Q3 2025 non-interest expense included an increase in depreciation expense specifically as a result of the recent launch of 2UniFi.

Acquisition-Related Expenses

The pending strategic acquisition of Vista Bancshares, Inc. has started to impact current period costs.

For the third quarter of 2025, non-interest expense totaled $67.2 million, which included $1.7 million of acquisition-related expenses tied to the Vista Bancshares transaction.

The aggregate value of the Vista Bancshares acquisition was $369.1 million, based on the September 12, 2025 closing price.

The terms of the deal involved approximately $84.8 million in cash consideration for Vista shareholders.

The combined company is projected to have approximately $12.4 billion in pro forma assets and $10.4 billion in pro forma deposits upon completion.

Finance: draft 13-week cash view by Friday.

National Bank Holdings Corporation (NBHC) - Canvas Business Model: Revenue Streams

You're looking at how National Bank Holdings Corporation actually brings in the money, which is the heart of any business model. For a bank like National Bank Holdings Corporation, it really boils down to the spread between what they earn on loans and what they pay out on deposits, plus all the fees they collect along the way.

The biggest piece, as you'd expect, is the Net Interest Income (NII) from their lending and securities portfolio. For the third quarter of 2025, National Bank Holdings Corporation reported NII at \$90.2 million. That number was helped along a bit because Q3 2025 had one extra day compared to the prior period, which nudged that figure up. Honestly, managing that net interest margin is always the primary driver of profitability for National Bank Holdings Corporation.

Next up is non-interest income, which comes from all the services National Bank Holdings Corporation offers beyond simple lending. This stream includes service charges, various fees, and income generated by their trust operations through Bank of Jackson Hole Trust. In Q3 2025, the total non-interest income hit \$18.389 million. This total is made up of a few key parts:

• Bank card fees were \$4.832 million.
• Other non-interest income was \$5.664 million.
• Gains on partnership investments specifically added \$3.5 million in Q3 2025.

It's important to see how these streams break down, so here's a quick look at the major revenue components for that quarter:

Revenue Component	Q3 2025 Amount (in millions)
Net Interest Income (NII)	\$90.2
Total Non-Interest Income	\$18.389
Gains on Partnership Investments (Component of Non-Interest Income)	\$3.5

Mortgage banking income is another distinct part of the non-interest revenue, coming from their residential loan originations and sales activities across their various mortgage divisions like Community Banks Mortgage and Bank Midwest Mortgage. For the third quarter of 2025, mortgage banking income was reported at \$2.895 million. That's a solid number, showing continued activity in their residential lending footprint across Colorado, Kansas, Missouri, Utah, Texas, New Mexico, and Idaho.

When you put all the pieces together, the total revenue for National Bank Holdings Corporation in the third quarter of 2025 was \$108.89 million. That figure beat what analysts were expecting, which definitely adds to the positive sentiment around their operational execution this year. That total revenue figure is what you want to watch as a top-line indicator of the bank's overall business activity.