Emily Gooden
Chief Accounting Officer and Director of Investor Relations
Replay available
National Bank Holdings Corporation (NYSE: NBHC) Q4 2025 earnings conference call, held 2026-01-28. Replay captured from the company's public earnings webcast.

Chief Accounting Officer and Director of Investor Relations
Chairman and Chief Executive Officer
Chief Financial Officer
Chief Executive Officer, Vista Bank
President
Chief Enterprise Technology Officer
Analyst, DA Davidson
Analyst, KBW
Watch the replay and follow the connected company analysis, news, and investor updates for National Bank Holdings Corporation.
WEBVTT 00:00:00.031 -- 00:00:05.816 Good morning, everyone, and welcome to the National Bank Holdings Corporation 2025 00:00:05.816 -- 00:00:10.901 Fourth Quarter Earnings Call. My name is Rachel, and I will be your conference operator 00:00:10.901 -- 00:00:15.465 for today. At this time, all participants are in a listen-only mode. 00:00:15.465 -- 00:00:20.449 As a reminder, this conference is being recorded for replay purposes. 00:00:20.449 -- 00:00:24.733 I will now turn the call over to Emily Gooden, Chief Accounting Officer and Director 00:00:24.733 -- 00:00:27.355 of Investor Relations. 00:00:27.355 -- 00:00:31.575 Thank you, Rachel, and good morning. We will begin today's call with prepared remarks 00:00:31.575 -- 00:00:33.797 followed by a question and answer session. 00:00:33.797 -- 00:00:37.220 I would like to remind you that this conference call will contain forward-looking statements 00:00:37.220 -- 00:00:41.503 including but not limited to statements regarding the company's strategy, loans, deposits, 00:00:41.503 -- 00:00:45.727 capital, net interest income, non-interest income, margins, allowance, taxes, and non-interest 00:00:45.727 -- 00:00:49.970 expense. Actual results could differ materially from those discussed today. 00:00:49.970 -- 00:00:53.273 These forward-looking statements are subject to risk uncertainties and other factors 00:00:53.273 -- 00:00:57.457 which are disclosed in more detail in the company's most recent filings with the U.S. 00:00:57.457 -- 00:01:01.404 Securities and Exchange Commission. These statements speak only as of the date of this 00:01:01.404 -- 00:01:05.569 call, and National Bank Holdings Corporation undertakes no obligation to update or revise 00:01:05.569 -- 00:01:09.393 these statements. In addition, the call today w...