What NBH bank does

NBH Bank is the primary operating subsidiary of National Bank Holdings Corporation (NYSE: NBHC), a publicly traded Delaware-incorporated bank holding company founded in 2010 by G. Timothy Laney and headquartered in Greenwood Village, Colorado. The company operates a multi-brand community banking franchise through more than 90 banking centers across Colorado, the Kansas City region (Kansas and Missouri), Wyoming, Idaho, New Mexico, Texas, and Utah, with a recent extension into Florida via the January 2026 acquisition of Vista Bancshares. Locally-led brands include Bank Midwest, Community Banks of Colorado, Bank of Jackson Hole, Vista Bank, and Hillcrest Bank. Post-Vista pro forma assets are approximately $12.6 billion and pro forma deposits are $10.7 billion. The company is FDIC-insured and Equal Housing Lender compliant, with 1,001–5,000 employees.

Product breadth spans personal banking (checking, savings, mortgages, private banking), small business and SBA lending, middle-market banking, and a deep specialty commercial banking franchise organized by vertical: Capital Finance and asset-based lending, Food & Agribusiness, Government & Nonprofit financing, Healthcare, Practice Management (dental/medical/veterinary), Franchise Finance, Equipment & Transportation Finance, and Escrow & Sub Accounting. Treasury management (collections, disbursements, positive pay, sweep, lockbox) and trust and wealth management via Bank of Jackson Hole Trust—leveraging Wyoming's favorable trust perpetuity, tax, and privacy laws—round out the offering. The residential mortgage group has originated nearly $10 billion in mortgages since 2018 across approximately 30,000 homes.

The technology stack centers on digital self-service banking (online and mobile) and two in-house digital brands: Cambr, an embedded finance deposit acquisition platform that sources cash deposits through fintech partnerships for other banks (acquired April 2023 with approximately $1.7 billion in deposits transferred), and 2UFi, a digital-first small business banking platform. Merchant services are delivered through a Clover partnership (Go, Flex, Mini, Station Solo/Duo) and credit cards through Elan Financial Services (Mastercard-issued). Revenue is generated primarily through net interest income on commercial real estate, business, SBA, mortgage, and consumer loans, supplemented by deposit service charges, treasury management fees, trust and wealth management fees, interchange, mortgage banking gains, and specialty lending fees. Distribution relies on a community banking sales motion with dedicated relationship managers, SBA Preferred Lender status accelerating small business origination, multi-state physical banking centers, digital channels, and a national specialty banking team for capital finance and franchise finance.

Name

NBH bank

Legal name

National Bank Holdings Corporation

Website

https://nbhbank.com

Company type

Public

Founded year

2010

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

NBH Bank is the operating subsidiary of National Bank Holdings Corporation (NYSE: NBHC), operating a multi-brand community banking franchise of 90+ banking centers across seven states, serving consumers, small and middle-market businesses, government and nonprofit entities, and high-net-worth clients through regional brands (Bank Midwest, Community Banks of Colorado, Bank of Jackson Hole, Vista Bank, Hillcrest Bank) and the Cambr and 2UFi digital platforms.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Trust, Fiduciary, and Custody Activities (523991)

SIC

National Commercial Banks (6021), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Bank-Affiliated Retail Wealth Management (FSAAAAAB)

akta.pro secondary industries

Private Banking Advisory & Discretionary Portfolio Management (FSABADAD), Corporate & Institutional Trust Services (FSAAANAB)

Keywords

• Community banking
• Commercial lending
• Mortgage banking
• Small business loans
• Wealth management

Headquarters

HQ city

Greenwood Village

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Primary revenue from interest earned on loans including commercial real estate, business loans, SBA loans, mortgage loans, and consumer lending
2. Deposit Services: Fee income from deposit accounts, checking and savings products, and FDIC-insured deposit services
3. Treasury Management Services: Cash flow management, fraud prevention, collections, disbursements, and funds management services for business clients
4. Trust and Wealth Management: Trust services, estate planning, and wealth management provided by Bank of Jackson Hole Trust leveraging favorable Wyoming tax and trust perpetuity laws
5. SBA Lending: Small Business Administration loan products including SBA 7(a) loans, SBA 504 loans, SBA Express Lines of Credit, and CAPline working capital programs
6. Specialty Banking Services: Capital finance, asset-based lending, food and agribusiness, government/nonprofit, healthcare, practice management, franchise finance, and equipment/transportation financing

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

NBH Bank provides a full suite of community banking products and services through a multi-brand franchise, including personal checking and savings accounts, residential mortgages, private banking for high-net-worth clients, SBA Preferred Lender financing, middle market and specialty commercial lending (healthcare, food & agribusiness, government & nonprofit, franchise, equipment & transportation, capital finance/ABL, practice management), treasury management (collections, disbursements, fraud prevention, funds management) and trust & wealth management through Bank of Jackson Hole Trust. It serves individual consumers, small to middle market businesses, government and nonprofit entities, and PE-sponsored companies across Colorado, Kansas City, Wyoming, Idaho, New Mexico, Texas, Utah and Florida via over 90 physical banking centers plus online, mobile, 2UFi and Cambr digital channels.

Product overview

NBH Bank operates as a multi-brand community bank franchise under National Bank Holdings Corporation (NYSE: NBHC). The company offers a unified banking platform through a collection of locally-led regional brands (Bank Midwest, Community Banks of Colorado, Bank of Jackson Hole, Vista Bank, and Hillcrest Bank) plus digital brands (2UFi and Cambr). Core products include Personal Banking (checking, savings, mortgages, private banking), Business & Commercial Banking (SBA loans, middle market, specialty banking), Treasury Management, and Trust & Wealth Management. Specialty Banking segments cover Capital Finance & ABL, Food & Agribusiness, Government & Nonprofit, Healthcare, Practice Management, Franchise Finance, Equipment & Transportation, and Escrow services. The bank serves individual consumers, small to large businesses, and government/nonprofit entities across Colorado, Kansas City region, Wyoming, Idaho, New Mexico, Texas, Utah, and Florida.

Differentiator

Problem solved

Functional benefit

Brands

• Bank Midwest Mortgage: Mortgage banking services under Bank Midwest brand
• Community Banks Mortgage
• Hillcrest Bank Mortgage
• Bank of Jackson Hole Mortgage
• Vista Private Client
• Cambr
• 2UFi

Products and services

• Personal Banking Personal banking services for individual consumers, including checking and savings accounts, Visa debit cards with rewards, online and mobile banking access, and check-image statements.
• Mortgage Loans Residential mortgage loan offerings for home purchases, refinancing, and home financing, including conventional, VA/FHA/USDA loans, bond programs and non-QM options.
• Private Banking Elevated banking experience with a dedicated Private Banker providing customized financial solutions and proactive concierge-level service for high-net-worth clients.
• SBA Loans Small Business Administration financing offered as an SBA Preferred Lender, including SBA 7(a) Loans, SBA 504 Loans, SBA Express Lines of Credit, and SBA Working Capital CAPline programs.
• Middle Market Banking Banking services for larger businesses with relationship managers providing personalized loan solutions, including equipment financing, business acquisition financing, and owner-occupied real estate loans.
• Capital Finance and Asset-Based Lending Nationwide capital finance and asset-based lending services for privately owned companies, family offices, and private equity-sponsored companies with revenues starting at $10 million and EBITDA starting at $1 million.
• Food and Agribusiness Banking Specialized banking for food and agribusiness clients covering the entire food supply chain from farm to fork, offering revolving and term loans for branded products, processing and production segments.
• Government and Nonprofit Financing Comprehensive lending, depository, and treasury management solutions for governmental entities and nonprofit organizations, including taxable and tax-exempt direct financing for cities, counties, school districts, special districts, and nonprofits.
• Healthcare Banking Healthcare banking solutions for organizations with revenues starting at $10 million and EBITDA of $2 million to $10 million, serving hospitals, skilled nursing facilities, home health, medical office buildings, and life sciences companies.
• Practice Management (Healthcare) Financing Professional healthcare financing for dental, medical, and veterinary practices, including practice acquisition financing, owner-occupied commercial real estate, working capital finance, and debt refinance, plus services for DSOs, MSOs, and VSOs.
• Franchise Finance Senior secured debt and treasury solutions for franchise clients with revenues of $10 million or more and EBITDA of $2 million to $100 million, including acquisition financing, development lines of credit, and growth capital.
• Equipment and Transportation Finance Senior secured debt and treasury solutions for equipment and transportation businesses with investment sizes of $2 million to $25 million, serving for-hire trucking companies, private/vocational fleets, owner/operators and leasing companies with financing up to 100% of cost.
• Escrow and Sub Accounting Solutions Escrow deposit solutions with an online portal for managing third-party accounts and subledgering, providing anytime online access, bulk import capability, automated statements, and tax filing for qualified intermediaries, 1031 exchanges, attorneys, property managers, and HOAs.
• Treasury Management Deposit and treasury management solutions including collections (ACH, wire transfers, mobile check deposit, lockbox), disbursements (ACH, wire transfers, controlled disbursement, integrated payables), fraud prevention (Positive Pay, Reverse Positive Pay, ACH Positive Pay), funds management (ZBA, automated sweeps, FDIC insured sweep), and merchant services.
• Trust and Wealth Management Trust and estate planning services provided by Bank of Jackson Hole Trust, leveraging Wyoming's favorable tax, trust perpetuity, and privacy laws, with trust services available across Utah, Idaho, New Mexico, Texas, and Wyoming plus wealth management and investment services.
• Merchant Services (Clover POS) Point-of-sale merchant services through partnership with Clover, including Clover Go, Flex, Mini, Station Solo and Station Duo, plus Virtual Terminal, enabling businesses to accept credit, debit, gift card and mobile wallet payments with inventory management, employee scheduling and payroll tools.
• 2UFi Digital Business Banking Modern digital-first business banking platform providing small businesses with cash flow management tools and access to real human support, helping business owners manage cash flow and make decisions with confidence.
• Cambr Deposit Solutions Embedded finance deposit acquisition platform providing customized liquidity solutions to help banks source cash deposits, sweep deposits, or obtain funding, leveraging partnerships with embedded finance companies.

Quantifiable outcome

• Nearly $10 billion in mortgages originated since 2018 (almost 30,000 homes)
• +4 more outcomes

Named customers3 records

Segments12 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core.

• Vista Bancshares, Inc.coreStrategic or Co-development Partner · 7 January 2026NBHC completed acquisition of Vista Bancshares, Inc. on January 7, 2026, valued at approximately $377.4 million. Vista Bank operates in Texas markets (Dallas-Ft. Worth, Austin, Lubbock) and Palm Beach, Florida. Vista shareholders received 3.1161 shares of NBHC Class A common stock plus $31.62 in cash per share.
• StoneCastle Digital Solutions, LLC (d/b/a Cambr)coreTechnology or Integration · 19 April 2023Acquired by NBH Bank's subsidiary NBH Bank in April 2023. Cambr is an embedded finance platform that leverages partnerships to source cash deposits, providing customized liquidity solutions to help banks grow strategically. Deal involved transfer of approximately $1.7 billion in deposits.
• ClovercoreTechnology or IntegrationPartnership with Clover Network, LLC to offer point-of-sale solutions including Clover Go, Flex, Mini, Station Solo, and Station Duo for merchant payment processing. Enables businesses to accept EMV chip cards, Apple Pay, Samsung Pay, and provides inventory management, employee scheduling, and payroll tools.
• Bank of Jackson Hole TrustcoreStrategic or Co-development PartnerSubsidiary of National Bank Holdings Corporation providing trust and wealth management services. Leverages Wyoming's favorable tax, trust perpetuity, and privacy laws. Services include trust services, estate planning, and wealth management.
• 2UniFi, LLC (2UFi)coreTechnology or IntegrationDigital ecosystem providing modern business banking for small businesses through a digital-first experience backed by real human support. Reduces friction and complexity for small business owners managing cash flow.

Scale indicators12 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• TowneBank: Community-focused bank holding company in the Mid-Atlantic/Southeast with similar relationship-based model, commercial banking, and mortgage businesses. Comparable scale and operating philosophy.
• Glacier Bancorp: Community bank holding company operating multiple community bank divisions across the Western US (~$20B+ in assets), with a similar multi-brand, relationship-driven model and exposure to mountain-west markets. Closely comparable in scale, strategy, and geographic footprint.
• First Interstate BancSystem: Multi-state community bank holding company (~$30B assets) operating across the Western/Midwestern US with similar community banking focus, commercial lending, and deposit gathering. Comparable in size, footprint, and customer mix to NBH.
• Heartland Financial USA: Community bank holding company operating under multiple regional bank brands (Dubuque Bank, Illinois Bank, etc.) with similar multi-brand strategy, commercial banking focus, and nationwide specialty lending (food/ag, healthcare, asset-based lending).
• Pinnacle Financial Partners: Relationship-driven community bank holding company with strong Middle Tennessee roots and expansion into the Southeast. Comparable in size, focus on commercial banking, SBA lending, and a relationship-banking model.
• Independent Bank Group: Texas-headquartered community bank holding company with operations across Texas and the US, offering similar commercial banking, mortgage, and specialty finance. Overlap in Texas market following NBH's Vista acquisition.
• Simmons First National: Mid-sized community bank holding company (~$25B assets) operating across multiple states with similar commercial banking, SBA lending, and trust services. Comparable multi-state community banking model.
• Old National Bancorp: Community bank holding company operating across the Midwest and Southeast (~$45B assets) with comparable commercial banking, wealth management, and SBA lending businesses following recent M&A growth.

Regional players

• Bank of Jackson Hole: Wyoming-headquartered community bank (now part of NBH) — historically a regional peer in the Jackson Hole market, providing trust and wealth management under Wyoming's favorable laws. Direct overlap but now a subsidiary.

Emerging players

• First Western Financial: Smaller Rocky Mountain / mountain-west community bank holding company focused on private banking, wealth management, and commercial lending. Adjacent peer with similar client mix but smaller scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/nbhbank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A3 records

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about NBH bank