BlastPoint's Banking Scorecard
NBH Bank
Mid-Market
Specialty: Commercial
CO
FDIC cert 59052
Greenwood Village, CO
201
banks in Mid-Market tier nationally
3 in CO
View Mid-Market leaderboard (CO) →
NBH Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 17% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.8B
+0.7% YoY
-2.7% QoQ
|
-$619.9M |
$10.5B
+2.9% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$7.4B
-4.1% YoY
+0.1% QoQ
|
+$237.9M |
$7.1B
+4.5% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$8.4B
+0.8% YoY
-1.6% QoQ
|
-$97.0M |
$8.5B
+3.0% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
1.18%
-10.5% YoY
-9.6% QoQ
|
+0.02% |
1.16%
+9.4% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
3.90%
+0.2% YoY
-0.1% QoQ
|
+0.50% |
3.40%
+7.9% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
58.36%
+3.8% YoY
+3.2% QoQ
|
+1.76% |
56.60%
-3.2% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
0.55%
-17.5% YoY
+3.7% QoQ
|
-0.14% |
0.68%
+12.0% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
87.29%
-4.9% YoY
+1.7% QoQ
|
+1.82% |
85.47%
+1.1% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
27.98%
-1.0% YoY
+1.5% QoQ
|
+7.34% |
20.64%
-0.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.43%
-19.1% YoY
+9.3% QoQ
|
-0.07% |
0.50%
+7.3% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
13.11%
+11.2% YoY
-3.0% QoQ
|
-0.44% |
13.55%
+1.8% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.65%
-7.5% YoY
+38.9% QoQ
|
-0.30% |
0.96%
+7.1% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Margin Compression
decline
#4 of 19 · Bottom 17% in Mid-Market
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.18%
(Tier: 1.16%, National: 1.12%)
19 of 19 Mid-Market banks match
·
147 nationally
→ Stable
-9 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 27.98% · Tier avg: 20.64%
73
73th pctile
Net Interest Margin
Current: 3.90% · Tier avg: 3.40%
67
67th pctile
Total Loans
Current: $7.4B · Tier avg: $7.1B
67
67th pctile
Total Deposits
Current: $8.4B · Tier avg: $8.5B
66
66th pctile
Total Assets
Current: $9.8B · Tier avg: $10.5B
53
53th pctile
Tier 1 Capital Ratio
Current: 13.11% · Tier avg: 13.55%
53
53th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.68%
51
51th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
49
49th pctile
Loan-to-Deposit Ratio
Current: 87.29% · Tier avg: 85.47%
47
47th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.96%
42
42th pctile
Efficiency Ratio
Current: 58.36% · Tier avg: 56.60%
Top Weaknesses
42
42th pctile
Efficiency Ratio
Current: 58.36% · Tier avg: 56.60%
47
47th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.96%
49
49th pctile
Loan-to-Deposit Ratio
Current: 87.29% · Tier avg: 85.47%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
51
51th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
53
53th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.68%
53
53th pctile
Tier 1 Capital Ratio
Current: 13.11% · Tier avg: 13.55%
66
66th pctile
Total Assets
Current: $9.8B · Tier avg: $10.5B
67
67th pctile
Total Deposits
Current: $8.4B · Tier avg: $8.5B
67
67th pctile
Total Loans
Current: $7.4B · Tier avg: $7.1B
73
73th pctile
Net Interest Margin
Current: 3.90% · Tier avg: 3.40%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 27.98% · Tier avg: 20.64%