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National Bank Holdings's Business Segments
National Bank Holdings's reported revenue by business segment and by geographic region, quarterly and annual, normalized against the consolidated income statement. Free below: the top 3 rows per table, this quarter and this fiscal year. Subscriber access adds the full segment history and operating income by segment.
Segment Data As of FY
Reportable Segments
4
Largest Segment
Bank Servicing Charges and Other Fees
Total Revenue
$ 12
Regions Reported
-
Revenue Share by Reportable Segment - FY
- Bank Servicing Charges and Other Fees88.9%
- Credit and Debit Card75%
- Bank Servicing72.8%
- Bank card fees31.3%
Revenue by Reportable Segment - FY
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Bank Servicing Charges and Other Fees | $ 11 | 88.9% |
| Credit and Debit Card | $ 9 | 75% |
| Bank Servicing | $ 9 | 72.8% |
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Annual Results
Revenue Share by Reportable Segment - FY
- Bank Servicing Charges and Other Fees88.9%
- Credit and Debit Card75%
- Bank Servicing72.8%
- Bank card fees31.3%
Revenue by Reportable Segment - FY
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Bank Servicing Charges and Other Fees | $ 11 | 88.9% |
| Credit and Debit Card | $ 9 | 75% |
| Bank Servicing | $ 9 | 72.8% |
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Description of National Bank Holdings
National Bank Holdings Corporation is a bank holding company that was incorporated
in the State of Delaware in June 2009 and is headquartered immediately south of
Denver, in Greenwood Village, Colorado. Our primary operations are conducted through
our wholly owned subsidiary, NBH Bank, referred to as the "Bank", or
"NBH Bank", through which we provide a variety of banking products to
both commercial and consumer clients. We service our clients through a network
of 97 banking centers, with the majority of those banking centers located in the
greater Kansas City area and Colorado, and through online and mobile banking products.
National Bank Holdings Corp: Overview of Segments, Products, and Services
National Bank Holdings Corporation (NBH) operates primarily through its wholly-owned banking subsidiaries, offering a comprehensive suite of banking products and services targeted at a diverse range of customers. The company focuses on commercial, consumer, and real estate loans, while also providing deposit accounts and various ancillary services designed to meet the financial needs of individuals, businesses, and agricultural entities. Below is a detailed description of the primary segments and their respective products and services.
1. Commercial and Industrial Loans
NBH originates a wide range of commercial and industrial loans and leases tailored to the needs of businesses. This category includes:
- Working Capital Loans: Typically, these loans have short terms of up to one year and are primarily secured by accounts receivable and inventory. They often require personal guarantees from the businesss principals.
- Equipment Loans: These loans are secured by the equipment being financed. NBH assesses advance rates that align with the type of equipment, providing financing options for purchasing or leasing necessary business assets.
- Structured and Asset-Based Loans: These loans are designed for businesses requiring specialized financing solutions, often secured by the companys assets, providing flexible terms suited to various business needs.
- Government and Non-Profit Loans: Tailored financing options are available for government entities and non-profit organizations, designed to support their operational and project financing requirements.
- Energy Loans: NBH also offers loans specific to energy projects, catering to businesses in the evolving energy sector.
Real Estate Loans
The banks real estate lending operations are divided into two main categories:
Commercial Real Estate Loans (CRE)
NBH offers CRE loans for various purposes, including:
- Acquisition Financing: Loans to finance the purchase of commercial properties such as office buildings, retail centers, and multi-family housing.
- Working Capital Needs: Loans secured by commercial real estate to support a businesss operational costs.
- Construction and Development Loans: Financing for the construction of new commercial properties, including multifamily residences and raw land development.
These loans are typically secured by a first lien mortgage on the property, along with assignments of all leases associated with the properties. The bank maintains stringent underwriting guidelines that usually necessitate an 80% or lower loan-to-value ratio for owner-occupied properties and 75% or lower for non-owner-occupied properties.
Residential Real Estate Loans
NBH also provides:
- Closed Loans: These loans are generally amortized over 10 to 30 years and are secured by the primary or secondary residence.
- Home Equity Loans: Open-ended loans secured by the borrower’s home equity, designed for consumers looking for flexible borrowing options.
NBHs loan-to-value ratios are conservatively managed, typically below 80% at the inception of a loan, ensuring responsible lending practices.
Agricultural Loans
This segment focuses on providing loans to farmers and agricultural businesses. The offerings include:
- Term Loans: Financing for agricultural land and equipment, with amortization periods of 15 to 25 years and typical three to five-year maturities.
- Short-Term Lines of Credit: These are designed to support crop production, usually structured as revolving lines of credit with maturities of one year.
The principal repayment source for these loans is often the sale of crops post-harvest, with pricing options that can be fixed or variable, based on prevailing market rates.
Consumer Loans
NBH offers a variety of consumer loan products, including:
- Personal Loans: These loans are available for personal and business purposes, structured as small personal lines of credit or term loans.
- Secured and Unsecured Loans: Consumer loans can be secured by assets such as deposit accounts, brokerage accounts, or automobiles, as well as unsecured options.
- Home Improvement Loans: Typically not secured by real estate, these loans help clients finance renovations or improvements to their homes.
- Automobile Loans: Financing for new and used vehicles, generally at higher interest rates compared to residential mortgage loans.
Overall, National Bank Holdings Corp focuses on delivering a robust portfolio of financial products that cater to the needs of commercial enterprises, individual consumers, and agricultural businesses. The bank’s lending strategies emphasize risk management and responsible lending practices while aiming to foster long-term client relationships.
National Bank Holdings Corporation (NBH) operates primarily through its wholly-owned banking subsidiaries, offering a comprehensive suite of banking products and services targeted at a diverse range of customers. The company focuses on commercial, consumer, and real estate loans, while also providing deposit accounts and various ancillary services designed to meet the financial needs of individuals, businesses, and agricultural entities. Below is a detailed description of the primary segments and their respective products and services.
1. Commercial and Industrial Loans
NBH originates a wide range of commercial and industrial loans and leases tailored to the needs of businesses. This category includes:
- Working Capital Loans: Typically, these loans have short terms of up to one year and are primarily secured by accounts receivable and inventory. They often require personal guarantees from the businesss principals.
- Equipment Loans: These loans are secured by the equipment being financed. NBH assesses advance rates that align with the type of equipment, providing financing options for purchasing or leasing necessary business assets.
- Structured and Asset-Based Loans: These loans are designed for businesses requiring specialized financing solutions, often secured by the companys assets, providing flexible terms suited to various business needs.
- Government and Non-Profit Loans: Tailored financing options are available for government entities and non-profit organizations, designed to support their operational and project financing requirements.
- Energy Loans: NBH also offers loans specific to energy projects, catering to businesses in the evolving energy sector.
Real Estate Loans
The banks real estate lending operations are divided into two main categories:
Commercial Real Estate Loans (CRE)
NBH offers CRE loans for various purposes, including:
- Acquisition Financing: Loans to finance the purchase of commercial properties such as office buildings, retail centers, and multi-family housing.
- Working Capital Needs: Loans secured by commercial real estate to support a businesss operational costs.
- Construction and Development Loans: Financing for the construction of new commercial properties, including multifamily residences and raw land development.
These loans are typically secured by a first lien mortgage on the property, along with assignments of all leases associated with the properties. The bank maintains stringent underwriting guidelines that usually necessitate an 80% or lower loan-to-value ratio for owner-occupied properties and 75% or lower for non-owner-occupied properties.
Residential Real Estate Loans
NBH also provides:
- Closed Loans: These loans are generally amortized over 10 to 30 years and are secured by the primary or secondary residence.
- Home Equity Loans: Open-ended loans secured by the borrower’s home equity, designed for consumers looking for flexible borrowing options.
NBHs loan-to-value ratios are conservatively managed, typically below 80% at the inception of a loan, ensuring responsible lending practices.
Agricultural Loans
This segment focuses on providing loans to farmers and agricultural businesses. The offerings include:
- Term Loans: Financing for agricultural land and equipment, with amortization periods of 15 to 25 years and typical three to five-year maturities.
- Short-Term Lines of Credit: These are designed to support crop production, usually structured as revolving lines of credit with maturities of one year.
The principal repayment source for these loans is often the sale of crops post-harvest, with pricing options that can be fixed or variable, based on prevailing market rates.
Consumer Loans
NBH offers a variety of consumer loan products, including:
- Personal Loans: These loans are available for personal and business purposes, structured as small personal lines of credit or term loans.
- Secured and Unsecured Loans: Consumer loans can be secured by assets such as deposit accounts, brokerage accounts, or automobiles, as well as unsecured options.
- Home Improvement Loans: Typically not secured by real estate, these loans help clients finance renovations or improvements to their homes.
- Automobile Loans: Financing for new and used vehicles, generally at higher interest rates compared to residential mortgage loans.
Overall, National Bank Holdings Corp focuses on delivering a robust portfolio of financial products that cater to the needs of commercial enterprises, individual consumers, and agricultural businesses. The bank’s lending strategies emphasize risk management and responsible lending practices while aiming to foster long-term client relationships.