TellerScore

NBH Bank (FDIC certificate #59052) is based in Greenwood Village, Colorado. Its Q2 2026 call report shows $12.5B in total assets and $10.6B in deposits and 97 offices across 9 states.

NBH Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than 58% of its 132 banks with $10 billion – $100 billion. Among 63 banks headquartered in Colorado, it ranks 45th. Problem-loan coverage contributes the most (93/100, 3.6%); funding & liquidity contributes the least (51/100, 92% loans-to-deposits, 30% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.27%
Loan quality80/100
Noncurrent loans ÷ total loans: 0.60%
Earnings64/100
Return on assets (annualized): 1.09%
Funding & liquidity51/100
Loans ÷ deposits and uninsured-deposit share: 91.8% · 30.4% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.58%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (69 → 66), mostly because the funding & liquidity component weakened by 13 points.

TellerScore
646871Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202469
Q4 202466
Q1 202567
Q2 202569
Q3 202571
Q4 202568
Q1 202664
Q2 202666
Tier 1 leverage ratio
5.00%7.77%10.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.10%
Q3 20249.43%
Q4 20249.53%
Q1 20259.85%
Q2 202510.17%
Q3 202510.54%
Q4 202510.16%
Q1 202610.17%
Q2 202610.27%
Noncurrent loans
0.38%0.52%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.38%
Q3 20240.43%
Q4 20240.66%
Q1 20250.47%
Q2 20250.54%
Q3 20250.52%
Q4 20250.54%
Q1 20260.59%
Q2 20260.60%
Return on assets
1.00%1.17%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.30%
Q3 20241.34%
Q4 20241.32%
Q1 20251.06%
Q2 20251.23%
Q3 20251.30%
Q4 20251.18%
Q1 20261.00%
Q2 20261.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$12.5B10.27%0.60%1.09%91.8%
Q1 202664$12.6B10.17%0.59%1.00%89.4%
Q4 202568$9.8B10.16%0.54%1.18%87.3%
Q3 202571$10.1B10.54%0.52%1.30%85.8%
Q2 202569$10.0B10.17%0.54%1.23%88.5%
Q1 202567$10.1B9.85%0.47%1.06%88.5%
Q4 202466$9.8B9.53%0.66%1.32%91.7%
Q3 202469$10.0B9.43%0.43%1.34%88.6%
Q2 202468$9.9B9.10%0.38%1.30%89.9%

132 peers · $10 billion – $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.27%
54th
Total risk-based capital13.39%
30th
Problem loans0.60%
54th
Net charge-offs0.32%
20th
Return on assets1.09%
36th
Net interest margin4.24%
84th
Efficiency ratio66.0%
13th
Loans to deposits91.8%
24th
Uninsured deposits30.4%
70th
Loan-loss reserves1.13%
50th
Texas ratio3.6%
53rd

Deposit insurance

Is my money safe at NBH Bank?

Yes. NBH Bank is an FDIC-insured institution (FDIC certificate #59052). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.4% of deposits ($3.2B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.27%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.39% (benchmark: 10%).

Check how much of your own balance is covered

97 locations

Branches

NBH Bank lists 91 offices in 77 cities across 9 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, NBH Bank reported 2,206 home-loan applications under HMDA (LEI 549300T7AIY7RU1YDP31): 1,448 originated ($553,820,000 total), 298 denied, and 435 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
NBH Bank
Former names
Bank Midwest, National Association; NBH Bank, National Association
Type
State-chartered bank (Fed member)
FDIC certificate #
59052
RSSD ID
4210227
Primary regulator
FED
Holding company
National Bank Holdings Corp
Established
December 10, 2010
Headquarters
7800 E Orchard Rd, Greenwood Village, CO 80111
Employees
1,360

Quick answers

NBH Bank: common questions

Is NBH Bank FDIC insured?

Yes. NBH Bank is an FDIC-insured institution (FDIC certificate #59052). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is NBH Bank's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has NBH Bank ever failed?

There is no failure record for FDIC certificate #59052 in the FDIC failed bank list.

How many branches does NBH Bank have?

97 offices as of the latest FDIC data, in 9 states.

Nearby

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