DENVER, Jan. 30, 2026 (GLOBE NEWSWIRE) -- National Bank Holdings Corporation (NYSE: NBHC, “NBHC” or the “Company”), the holding company for NBH Bank, announced today that it has granted inducement awards to 4 new employees. Each inducement award was committed to the employee in their employment agreement or offer letter, as applicable, with NBHC and/or NBH Bank and was granted as an inducement material to the employee’s commencement of employment in connection with NBHC’s acquisition of Vista Bancshares, In ...

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Financial Data and Key Metrics Changes - The company ended 2025 with a tangible book value per share growth of 10% and a CET1 capital ratio of 14.89% [5] - For the fourth quarter, net income was $22.7 million or $0.60 per diluted share, while the full year adjusted net income was $117.6 million or $3.06 per diluted share [9] - The net interest margin for the full year was 3.94%, with a fourth quarter margin of 3.97% [8][11] Business Line Data and Key Metrics Changes - The company originated $591 million in total loans during the fourth quarter, with $429 million coming from commercial loan originations, marking a record for the company [24] - The loan portfolio is projected to grow approximately 10% in 2026, starting with a combined portfolio of about $9.4 billion [10] - Non-interest income for the fourth quarter was $14.4 million, while full-year non-interest income is projected to be between $75 million and $80 million for 2026 [12][13] Market Data and Key Metrics Changes - The non-performing asset ratio improved by 11 basis points to 36 basis points of total loans by the end of 2025 [11] - The criticized loan ratio improved by 73 basis points during the year, indicating better asset quality [11] Company Strategy and Development Direction - The company aims to focus on profitable growth following the Vista Bank acquisition, which is expected to enhance service offerings and market presence [6][19] - The strategy includes expanding services such as wealth management and trust services, and enhancing treasury management offerings [19] - The company is optimistic about growth opportunities in Texas and various resort markets, which are becoming primary residences for wealthy clients [20] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in entering 2026 with a clean slate and a focus on growth, despite a noisy fourth quarter due to one-time costs [6][9] - The company anticipates earnings exceeding $1 per share in the fourth quarter of 2026 and full-year earnings exceeding $4 per share in 2027 [17] - Management highlighted the importance of maintaining strong credit quality and a disciplined approach to loan origination [25][84] Other Important Information - The company expects to incur one-time expenses related to the acquisition and rebranding, with a projected non-interest expense of $320 million to $330 million for 2026 [13][15] - The effective tax rate for 2026 is expected to be around 20% due to the integration of Vista and changes in income mix [16] Q&A Session Summary Question: Confirmation of loan growth and margin expectations - Management confirmed a projected 10% loan growth in 2026, a margin near 4%, and earnings expectations of over $1 in Q4 2026 and over $4 in 2027 [37] Question: 2UniFi revenue and expense guidance - Management projected $2 million to $4 million in 2UniFi revenue for 2026, with expenses held flat at $22 million [39][55] Question: Credit quality and charge-offs - Management addressed that the decision to charge off certain loans was made to ensure a clean slate for 2026, emphasizing a proactive approach to problem loans [43] Question: Growth drivers for 2026 - Management indicated that growth would be driven by strong production in all markets, particularly Texas and resort areas, with confidence in achieving targets [46][49] Question: Partnership developments for 2UniFi - Management acknowledged delays in finalizing a partnership for 2UniFi but emphasized a strong focus on client activation and scaling the business [66] Question: Share buyback appetite - Management expressed strong interest in share buybacks, having announced a $100 million buyback authorization [72]

Financial Data and Key Metrics Changes - The company reported a 10% growth in tangible book value per share and a CET1 capital ratio of 14.89% for the end of 2025 [5][9] - The net interest margin for the fourth quarter was 3.97%, with a full-year net interest margin of 3.94% [7][8] - Fourth quarter net income, excluding one-time items, was $22.7 million or $0.60 per diluted share, while full-year adjusted net income was $117.6 million or $3.06 per diluted share [9][12] Business Line Data and Key Metrics Changes - The company originated $591 million in total loans during the fourth quarter, with $429 million coming from commercial loan originations, marking a record for the company [24] - The commercial loan portfolio grew nearly 8% annualized, while there was a decline in commercial real estate loan balances due to accelerated payoffs [24][25] - The company expects loan growth of approximately 10% in 2026, starting with a combined loan portfolio of about $9.4 billion [10][37] Market Data and Key Metrics Changes - The non-performing asset ratio improved by 11 basis points to 36 basis points of total loans by the end of 2025 [11] - The criticized loan ratio improved by 73 basis points during the year, indicating better asset quality [12] - The company is focusing on expanding its presence in Texas and resort markets, which are expected to drive growth [20][49] Company Strategy and Development Direction - The company aims to enter 2026 with a clean slate and a focus on profitable growth following the Vista Bank acquisition [6][10] - The strategy includes enhancing service offerings such as wealth management and trust services, and expanding mortgage products [19] - The company is committed to maintaining a loan-to-deposit ratio of approximately 90% and holding about 15% of total assets in cash and investments [10] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the future, projecting earnings exceeding $1 per share in Q4 2026 and over $4 per share in 2027 [17] - The management acknowledged challenges in 2025 but emphasized a strong focus on credit quality and prudent growth strategies for 2026 [43][80] - The integration of Vista Bank is expected to enhance the company's growth profile and market presence [19][21] Other Important Information - The company incurred $4.1 million in after-tax acquisition costs and a $2.6 million after-tax loss on the strategic sale of investment securities in Q4 2025 [8][12] - Non-interest income for the fourth quarter was $14.4 million, with projections for total non-interest income in 2026 to be between $75 million and $80 million [13] - The effective tax rate for 2025 was 18%, with an expected increase to approximately 20% for 2026 due to changes in income mix [16] Q&A Session Summary Question: Confirmation of loan growth and margin guidance - Management confirmed a projected 10% loan growth in 2026, a margin near 4%, and earnings over $1 in Q4 2026 and over $4 in 2027 [37] Question: 2UniFi revenue and expense guidance - The projected revenue for 2UniFi in 2026 is $2 million to $4 million, with expenses held flat at $22 million [39][55] Question: Credit quality and charge-offs - Management addressed that the charge-offs were due to a few problem loans and emphasized a clean slate for 2026 [43][80] Question: Growth drivers in Texas and resort markets - Management highlighted strong loan production and growth potential in Texas and resort markets, supported by the Vista acquisition [46][49] Question: Margin performance and interest reversals - Management clarified that there were no interest reversals in Q4 and that the margin was managed well despite rate cuts [52][53] Question: Partnership developments for 2UniFi - Management acknowledged delays in partnership discussions but emphasized a strong focus on client activation and scaling the business [66][67]

Financial Data and Key Metrics Changes - The company reported a 10% growth in tangible book value per share and a CET1 capital ratio of 14.89% for the year [4] - The net interest income margin for the fourth quarter was 3.97%, with a full-year net interest margin of 3.94% [6][10] - Fourth quarter net income was $22.7 million, or $0.60 per diluted share, while full-year adjusted net income totaled $117.6 million, or $3.06 per diluted share [7][8] Business Line Data and Key Metrics Changes - The company originated $591 million in total loans during the fourth quarter, with $429 million coming from commercial loan originations, marking a record for the company [22] - The loan portfolio at the end of the year was approximately $9.4 billion, with projected loan growth of about 10% for 2026 [9] - Non-interest income for the fourth quarter was $14.4 million, while full-year non-interest income is projected to be between $75 million and $80 million for 2026 [12] Market Data and Key Metrics Changes - The non-performing asset ratio improved by 11 basis points to 36 basis points of total loans by year-end [10] - The criticized loan ratio improved by 73 basis points during the year [10] - The company expects to maintain a loan-to-deposit ratio of approximately 90% [9] Company Strategy and Development Direction - The company aims to focus on profitable growth following the acquisition of Vista Bank, which is expected to enhance its service offerings and market presence [5][18] - The strategic sale of securities and addressing problem loans were part of the company's efforts to enter 2026 with a clean slate [5] - The company is committed to expanding its services, including wealth management and enhanced treasury management offerings [18] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about entering 2026 with strong growth potential, driven by the Vista acquisition and a focus on client activation [25][26] - The company anticipates a strong economic environment in Texas and various resort markets, which are expected to provide growth opportunities [19] - Management expects to deliver earnings exceeding $1 per share in the fourth quarter of 2026 and full-year earnings exceeding $4 per share in 2027 [15] Other Important Information - The company completed the initial phase of its 2UniFi project, which aims to revolutionize small business banking [27][29] - The effective tax rate for 2025 was 18%, with an expected increase to approximately 20% for 2026 due to the integration of Vista [14] - The company plans to hold 15% of total assets in cash and investments [9] Q&A Session Summary Question: Confirmation of loan growth and margin expectations - Management confirmed a projected 10% loan growth in 2026, a margin near 4%, and earnings over $1 in the fourth quarter of 2026 [35] Question: 2UniFi revenue and expense guidance - Management projected $2 million to $4 million in 2UniFi revenue for 2026, with expenses held flat at $22 million [36] Question: Credit quality and charge-offs - Management addressed that the charge-offs were due to specific problem loans and expressed confidence in improving credit metrics in 2026 [41] Question: Growth drivers for 2026 - Management indicated that growth would be driven by strong production in Texas and resort markets, with a focus on commercial loans [44][46] Question: Margin performance and deposit costs - Management clarified that the December margin was 3.97%, with a lag in deposit pricing compared to asset repricing [50][62] Question: Partnership developments for 2UniFi - Management acknowledged delays in finalizing a partnership for 2UniFi but emphasized a strong focus on client activation and scaling the business [63] Question: Loan growth confidence and payoffs - Management expressed confidence in achieving 10% loan growth in 2026, with reduced scheduled maturities compared to the previous year [79]

Exhibit 99.1 National Bank Holdings Corporation Announces Fourth Quarter and Full Year 2025 Financial Results NYSE Ticker: NBHC Denver, Colorado, January 27, 2026 - (Globe Newswire) – National Bank Holdings Corporation (the "Company" or "NBHC") reported: | | | | For the quarter | (1) | | | | | For the year | | | | 2025 Adjusted (1)(2) | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | 4Q25 | | 3Q25 | | 4Q24 | | 2025 | | | 2024 | QTD | | | YTD | | Net income ( ...

DENVER, Jan. 27, 2026 (GLOBE NEWSWIRE) -- National Bank Holdings Corporation (the “Company” or “NBHC”) reported: For the quarter(1) For the year 2025 Adjusted (1)(2) 4Q25 3Q25 4Q24 2025 2024 QTD YTDNet income ($000's)$<td style="max-width:6%; width:6%; ...

Group 1 - National Bank Holdings Corporation (NBHC) has successfully acquired Vista Bancshares, Inc. and Vista Bank, expanding its presence in key growth markets such as Dallas-Ft. Worth, Austin, Lubbock, and Palm Beach [1] - The combined organization will have approximately $12.6 billion in pro forma assets following the acquisition [1] - Sterlington advised the management team of NBHC during this transaction, showcasing its expertise in complex corporate matters within the financial institutions industry [2] Group 2 - Sterlington was ranked third for U.S. targets and sellers in sponsor M&A exit transactions by deal value in Mergermarket's FY2025 league tables [2] - The transaction was led by partners Jeremy L. Goldstein, Christopher S. Harrison, and Kristy Fields from Sterlington [2] - Sterlington PLLC is a full-service law firm that focuses on complex corporate, litigation, executive compensation, and private wealth matters [3]

DENVER, Jan. 08, 2026 (GLOBE NEWSWIRE) -- National Bank Holdings Corporation (NYSE: NBHC) expects to report its fourth quarter and full year 2025 financial results after the markets close on Tuesday, January 27, 2026. Management will host a conference call to review the results at 11:00 a.m. Eastern Time on Wednesday, January 28, 2026. The call may also include discussion of company developments, forward-looking statements and other material information about business and financial matters. Interested parti ...

Company Overview - National Bank Holdings (NBH) Corporation has completed the acquisition of Vista Bank for $377 million, enhancing its presence in high-growth markets such as Austin, Palm Beach, and Dallas-Ft. Worth [2][3] - The merger will result in the immediate adoption of the Vista Bank brand in Texas, with a full integration planned for later in the year, excluding the Bank of Jackson Hole [2] Leadership and Strategy - Tim Laney, chairman and CEO of NBHC, expressed optimism about the merger, highlighting the strong leadership team of Vista Bank and the robust balance sheet of NBH, which will allow for expanded banking services to commercial and business clients [3] Industry Context - The acquisition is part of a broader trend of banking mergers, with recent approvals indicating a surge in consolidation within the industry [4] - The merger momentum is influenced by regulatory changes, as comments from Fed Vice Chair Michelle Bowman suggest lighter oversight for smaller banks, potentially facilitating faster consolidation [5] - The previous year saw the fastest rate of banking mergers approved in over three decades, with the average time to finalize a deal dropping to four months, the shortest since at least 1990 [5]