Report

National Bank Holdings Corporation: Credit analysis following initial ratings assignment

Our credit view of this issuer reflects its healthy core profitability, supported by a strong net interest margin, offset by its significant franchise dispersion.
Underlying
National Bank Holdings

National Bank Holdings is a bank holding company. Through its subsidiary, NBH Bank, the company's primary business is to provide a range of banking products and financial services to its commercial, business and consumer clients, who are primarily located in Colorado, the greater Kansas City region, New Mexico, Texas and Utah. The company provides a variety of products and services in the following areas: Commercial and Specialty Banking, which focuses on small- and medium-sized businesses and provides a suite of loan, deposit and treasury management products and services; and Business, Residential and Consumer Banking, which provides a complement of loan, deposit and online and mobile banking solutions.

Provider
Moody's Investors Service
Moody's Investors Service

Moody's Investors Service is a leading provider of credit ratings, research, and risk analysis. Moody's commitment and expertise contributes to transparent and integrated financial markets, protecting the integrity of credit. Our ratings and analysis track debt covering more than:

  • 130 countries
    11,000 corporate issuers
    21,000 public finance issuers
    76,000 structured finance obligations



Credit ratings and research help investors analyze the credit risks associated with fixed-income securities. Such independent credit ratings and research also contribute to efficiencies in fixed-income markets and other obligations, such as insurance policies and derivative transactions, by providing credible and independent assessments of credit risk.



Moody’s default studies validate our predictive ratings. Our published research and investor briefings draw thousands of attendees each year and keep investors current with the rationale underlying our credit opinions. 

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