# National Bank Holdings Q3 2026 Earnings Loss

> National Bank Holdings reports $8.8 million net loss driven by $40.6 million credit provisions.
- Title: National Bank Holdings Q3 2026 Earnings Loss · The Motley Fool
- Summary: National Bank Holdings reports $8.8 million net loss driven by $40.6 million credit provisions. National Bank Holdings reported a $8.8 million net loss for…
- Keywords: national bank holdings, nbhc, q3 2026, earnings call, net loss, credit provisions, franchise loans, healthcare loans, loan growth, deposit growth, net interest margin, capital ratios
- Source: The Motley Fool — https://fool.com/earnings/call-transcripts/2026/10/28/national-bank-holdings-nbhc-q3-2026-earnings-call-transcript
- Author: Motley Fool Transcribing
- Published: 2026-10-28T18:59:44+00:00
- Read time: 1 min
- Topics: national bank holdings, nbhc, q3 2026, earnings call, net loss, credit provisions, franchise loans, healthcare loans, loan growth, deposit growth, net interest margin, capital ratios
## Q3 2026 Earnings
National Bank Holdings reported a net loss of $8.8 million, or $0.20 per diluted share.
## Credit Provision Expense
The net loss was driven by $40.6 million in provision expense related to specific credit events in specialty banking.
## Franchise and Healthcare Impact
Credit losses concentrated in two specific commercial credits: one franchise and one healthcare sector.
## Q3 Credit Loss Details
The company addressed $65 million in principal balance credits with $47 million net charge-offs.
## Loan Growth
Total loans grew to $9.9 billion at quarter-end, annualized rate of 4.9% or $119.4 million.
## Loan Growth Guidance
Management expects total loans to exceed $10.1 billion by year-end 2026.
## Deposit Growth
Average deposits grew to $10.3 billion with 3.7% annualized growth.
## Net Interest Margin
Net interest margin expanded six basis points to 4.0% on a fully taxable equivalent basis.
## Noninterest Income
Noninterest income totaled $13.5 million, down from $19.8 million due to $4 million impairment.
## Capital Ratios
Common equity tier 1 ratio ended at 11.7%, total capital ratio at 14.7%.
## Specialty Banking Portfolio
Specialty banking portfolio accounts for 5% of total loans in franchise and 3% in healthcare finance.
## Small Business Model
Small business model reorganization expected to save $4 million annually.
## Palm Beach Sale
Palm Beach Banking Center sale planned for mid-2027 with $200 million in loans and deposits.
## Credit Risk Governance
Credit risk governance strengthened with upgraded leadership in specialty banking.
## System Integration
Vista core system integration completed, positioning bank for unified platform.
## Fourth Quarter Guidance
Core noninterest expense expected to be $75 million-$77 million for Q4 2026.
## Key takeaway

National Bank Holdings reported a $8.8 million net loss for Q3 2026, primarily due to $40.6 million in credit provisions related to specific commercial loans in franchise and healthcare sectors.