| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 93,538 | 58,253 |
| Provision for credit loss expense | 8,700 | 10,200 |
| Depreciation and amortization | 19,832 | 12,247 |
| Change in current income tax receivable | -1,710 | 208 |
| Change in deferred income taxes | 19,451 | 8,456 |
| Discount accretion, net of premium amortization on securities | 1,994 | 1,170 |
| Gain on sale of mortgages, net | 7,234 | 4,642 |
| Origination of loans held for sale, net of repayments | 260,886 | 167,883 |
| Proceeds from sales of loans held for sale | 270,363 | 176,236 |
| Originations of mortgage servicing rights | 146 | 102 |
| Proceeds from sales of mortgage servicing rights | 2,360 | 2,360 |
| Gain on sale of mortgage servicing rights | 646 | 646 |
| Gain on sale of fixed assets | 1,584 | 1,349 |
| Stock-based compensation | 5,840 | 3,695 |
| Operating lease payments | 4,904 | 3,278 |
| Change in other assets | 8,988 | 1,531 |
| Change in other liabilities | -7,630 | -19,086 |
| Net cash provided by operating activities | 124,362 | 71,968 |
| Proceeds from other securities | 48,029 | - |
| Proceeds from maturities and paydowns of investment securities available-for-sale | 100,403 | 74,609 |
| Proceeds from maturities and paydowns of investment securities held-to-maturity | 104,985 | 76,710 |
| Proceeds from sales of other real estate owned | 269 | 269 |
| Purchases of other securities | 49,949 | - |
| Purchases of investment securities available-for-sale | 164,656 | 160,543 |
| Purchases of investment securities held-to-maturity | 260,257 | 260,257 |
| Purchases of premises and equipment, net | 21,907 | 16,008 |
| Net decrease (increase) in loans | -380,473 | -237,115 |
| Proceeds from non-marketable securities | - | 32,429 |
| Purchases of non-marketable securities | - | 37,009 |
| Proceeds from the sale of loans | 28,531 | 11,941 |
| Net cash provided by (used in) investing activities | 165,921 | -40,744 |
| Net increase in deposits | 233,813 | 31,602 |
| Net increase (decrease) in repurchase agreements and other short-term borrowings | 2,408 | -382 |
| Net payments to the federal home loan bank | 50,000 | - |
| Issuance of stock under purchase and equity compensation plans | 1,509 | 1,817 |
| Proceeds from exercise of stock options | 10 | 53 |
| Payment of dividends | 34,252 | 22,808 |
| Net advances from (payments to) the federal home loan bank | - | 135,000 |
| Repurchase of common stock | 13,041 | 4,237 |
| Net cash provided by (used in) financing activities | 137,429 | 137,411 |
| Increase (decrease) in cash and cash equivalents | 427,712 | 168,635 |
| Cash and cash equivalents at beginning of period | 127,848 | - |
| Cash and cash equivalents at end of period | 555,560 | - |
National Bank Holdings Corp (NBHC)
National Bank Holdings Corp (NBHC)