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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Colorado, the state note

NBH Bank

Greenwood Village, Colorado · $12.54B in assets · beside the 11 other the Mountain West banks over $10B (the state alone holds too few in the band to rank)

The filing

1.03%
ROA
11th of 12
67.9%
Efficiency
10th of 12
+30.5%
Loans, year over year
3rd of 12, largest first

NBH Bank is the ninth largest of the 12 the Mountain West banks nearest its size over $10B, with $12.54B in assets at 30 June 2026. Loans are 92.8% of deposits, 7th of 12 against a median of 89.5%, and equity is 13.3% of assets, 4th of 12. Loans grew +30.5% in the year, 3rd of 12, and deposits grew 25.9%; the cohort's median loan growth is +15.6%.

Noncurrent loans are 0.60% of the book, 7th of 12 against a median of 0.52%; 0.18% is 30 to 89 days past due, and the allowance covers them 1.9 times. Net charge-offs are 0.29% of loans, 8th of 12. Commercial real estate is 29.3% of loans, 8th of 12 against a median of 7.1%, and 215% of capital, below the 300% screen, with construction at 52% against the 100% screen.

Return on assets is 1.03%, 11th of 12 against a median of 1.84%, on an efficiency ratio of 67.9%, 10th of 12. Five years ago it was 1.54%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsMountain West banks over $10B · 30 June 2026 · higher is stronger, listed first
median 1.84% BB Beal Bank USA 8.92% WB Wex Bank 4.03% SM Sallie Mae Bank 2.79% OB Optum Bank Inc 2.48% BB BMW Bank of North America 2.24% SB Sofi Bank National Association 1.89% HB Happen Bank National Association 1.79% CC Comenity Capital Bank 1.65% FI First Interstate Bank 1.21% GB Glacier Bank 1.20% NB NBH Bank 1.03% TF Toyota Financial Savings Bank 0.39%
Loans, year over yearMountain West banks over $10B · 30 June 2026 · no better direction, largest first
median +15.6% TF Toyota Financial Savings Bank +59.4% SB Sofi Bank National Association +54.1% NB NBH Bank +30.5% OB Optum Bank Inc +25.3% HB Happen Bank National Association +16.9% WB Wex Bank +16.0% GB Glacier Bank +15.2% BB Beal Bank USA +10.8% BB BMW Bank of North America +8.6% CC Comenity Capital Bank +8.3% SM Sallie Mae Bank -7.0% FI First Interstate Bank -14.4%

SBA 7(a), FY2008 to FY2026

NBH Bank is the 3rd largest 7(a) lender into Utah of 235, with $399M across 434 loans, 5.5% of everything approved in the state (Zions Bank, A Division of leads with $814M). 61 of its 122 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Utah, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Utah, UT$183M1st of 13512.6%-10.7 pts
Salt Lake, UT$89M12th of 1642.9%+1.0 pts
Arapahoe, CO$35M12th of 1662.2%-1.8 pts
El Paso, CO$32M9th of 1642.6%-0.1 pts
Denver, CO$32M16th of 1931.6%-0.2 pts
Washington, UT$29M5th of 866.6%-2.1 pts
Larimer, CO$24M6th of 1333.1%-4.3 pts
Davis, UT$21M9th of 1013.6%-0.4 pts
Travis, TX$21M27th of 2390.8%thin
Teton, WY$19M1st of 2239.0%-24.5 pts
Jackson, MO$18M14th of 1831.7%-3.6 pts
Johnson, KS$16M20th of 1851.2%-3.4 pts
Jefferson, CO$15M27th of 1831.0%-1.4 pts
109 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services129$117M13.8%0.15%126th of 2,596
Construction129$110M13.0%0.35%52nd of 2,063
Manufacturing145$107M12.7%0.27%64th of 2,246
Retail trade139$90M10.7%0.15%117th of 2,589
Health care & social assistance100$74M8.8%0.16%96th of 2,172
7(a) lenders into Utah, share of approvals since FY2008235 lenders on record; the ten largest and NBH Bank
ZB Zions Bank, A Division of 11.2% $814M · 5,725 loans MA Mountain America FCU 7.4% $538M · 3,076 loans CB Community Banks of Colorado, A Di… 5.5% $399M · 434 loans CB Celtic Bank Corporation 5.3% $386M · 660 loans AF America First Federal Credit Union 5.1% $374M · 905 loans WF Wells Fargo Bank National Associa… 5.0% $363M · 1,135 loans LO Live Oak Banking Company 4.3% $315M · 237 loans UB U.S. Bank, National Association 4.0% $293M · 1,066 loans FU First Utah Bank 3.7% $267M · 349 loans GB Glacier Bank 3.6% $261M · 610 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
NBH BankRankCohort median
Total CRE against capital, the 300% screen215%9th of 1235%
Construction against capital, the 100% screen52%11th of 122%
Construction and land development, share of loans7.1%10th of 120.6%
Non-owner-occupied nonfarm nonresidential, share of loans19.1%8th of 126.3%
Total CRE, the guidance definition, share of loans29.3%8th of 127.1%
CRE growth over 36 months, the third prong+34.1%6th of 11+34.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Sofi Bank National Association$56.82B1.9%67.3%0.08%0.07%0.1%99.9%12.8%
Glacier Bank$31.58B1.2%60.5%0.42%0.08%1.2%86.1%13.7%
Sallie Mae Bank$28.54B2.8%33.0%0.65%1.91%6.4%103.9%10.2%
First Interstate Bank$25.79B1.2%59.7%1.12%0.17%1.3%65.7%12.6%
Optum Bank Inc$21.43B2.5%29.2%0.21%0.22%0.9%60.2%14.8%
Toyota Financial Savings Bank$16.79B0.4%80.3%0.20%0.18%1.2%65.0%10.2%
Comenity Capital Bank$13.86B1.7%56.2%3.21%7.47%11.4%107.2%13.0%
BMW Bank of North America$13.80B2.2%17.1%0.09%0.19%0.5%107.5%12.8%
NBH Bank$12.54B1.0%67.9%0.60%0.29%1.1%92.8%13.3%
Happen Bank National Association$12.48B1.8%74.4%0.82%2.07%2.7%64.9%11.5%
Beal Bank USA$11.05B8.9%6.0%0.78%-4.85%1.4%239.0%23.9%
Wex Bank$10.71B4.0%57.3%0.44%1.69%1.3%55.4%8.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
NBH BankCohort median
20212026Change20212026Change
Loans$4.44B$9.79B+121%$3.76B$10.09B+169%
Deposits$6.27B$10.55B+68%$6.34B$12.64B+99%
NPA / loans0.33%0.60%+0.27 pts0.45%0.52%+0.07 pts
Efficiency62.0%67.9%+5.8 pts52.4%58.5%+6.1 pts
ROA1.54%1.03%-0.52 pts1.75%1.84%+0.09 pts

This read was prepared for NBH Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on NBH Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Mountain West banks over $10B
Institution www.nbhbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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