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National Bank (NBHC) investor relations material
National Bank Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Q3 net loss was $8.8M, or $0.20 per diluted share, as $40.6M of provision expense and acquisition and restructuring costs weighed on results.
Adjusted Q3 net income was $2.9M, or $0.06 per diluted share; the quarter also included a $4.0M FinTech investment impairment.
Total assets were $12.7B, loans $9.9B and deposits $10.5B; trailing 12-month loan originations reached a record $3.1B.
- Q2 2026 saw record loan growth, strong adjusted earnings, and robust capital after Vista acquisition.NBHC
Q2 2026 - Adjusted net income surged on record loan growth and Vista integration, with robust capital ratios.NBHC
Q1 2026 - Proxy covers director elections, auditor ratification, executive pay, and incentive plan amendments.NBHC
Proxy filing - FY2025 adjusted net income was $117.6M; Vista deal, 2UniFi, and capital actions drive growth.NBHC
Q4 2025 - Q3 2025 saw higher adjusted earnings, margin expansion, and strategic Vista acquisition.NBHC
Q3 2025 - Q2 2025 net income up 40%, NIM at 3.95%, digital platform launched, capital strong.NBHC
Q2 2025 - Q2 net income fell on higher costs, but capital, liquidity, and credit quality stayed strong.NBHC
Q2 2024 - Net income declined on a large fraud charge-off, but capital and asset quality improved.NBHC
Q1 2025 - Adjusted Q4 net income was $33.2M ($0.86/share) with 11% TBV growth and 3.99% NIM.NBHC
Q4 2024
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