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Regulatory Capital | 3 Months Ended
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Mar. 31, 2025
Regulatory Capital |
Regulatory Capital | Note 9 Regulatory Capital ​ As a bank holding company that has elected to be treated as a financial holding company, the Company, NBH Bank and BOJHT are subject to regulatory capital adequacy requirements implemented by the Federal Reserve, in addition to those implemented by the FDIC for NBH Bank and BOJHT, including maintaining capital positions at the “well-capitalized” level. The federal banking agencies have risk based capital adequacy regulations intended to provide a measure of capital adequacy that reflects the degree of risk associated with a banking organization’s operations. Under these regulations, assets are assigned to one of several risk categories, and nominal dollar amounts of assets and credit equivalent amounts of off-balance-sheet items are multiplied by a risk adjustment percentage for the category. Regulatory authorities can initiate certain mandatory actions if the Company, NBH Bank or BOJHT fail to meet the minimum capital requirements, which could have a material effect on our financial statements. ​ Under the Basel III requirements, at March 31, 2025 and December 31, 2024, the Company and the Banks met all capital requirements, including the capital conservation buffer of 2.5%. The Company and the Banks had regulatory capital ratios in excess of the levels established for well-capitalized institutions, as detailed in the tables below: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | March 31, 2025
​ | ​ | ​ | ​ | ​ | ​ | ​ | Required to be | ​ | Required to be
​ | ​ | ​ | ​ | ​ | ​ | ​ | well capitalized under | ​ | considered
​ | ​ | ​ | ​ | ​ | ​ | ​ | prompt corrective | ​ | adequately
​ | ​ | Actual | ​ | action provisions | ​ | capitalized(1)
​ | ​ | Ratio | ​ | Amount | ​ | Ratio | ​ | Amount | ​ | Ratio | ​ | Amount
Tier 1 leverage ratio: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consolidated | ​ | 10.9% | ​ | $ | 1,053,193 | ​ | N/A | ​ | ​ | N/A | ​ | 4.0% | ​ | $ | 386,678
NBH Bank | ​ | 9.9% | ​ | ​ | 949,171 | ​ | 5.0% | ​ | $ | 481,570 | ​ | 4.0% | ​ | ​ | 385,256
Bank of Jackson Hole Trust | ​ | 31.4% | ​ | ​ | 12,656 | ​ | 5.0% | ​ | ​ | 2,013 | ​ | 4.0% | ​ | ​ | 1,610
Common equity tier 1 risk based capital: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consolidated | ​ | 13.6% | ​ | $ | 1,053,193 | ​ | N/A | ​ | ​ | N/A | ​ | 7.0% | ​ | $ | 541,814
NBH Bank | ​ | 12.3% | ​ | ​ | 949,171 | ​ | 6.5% | ​ | $ | 500,762 | ​ | 7.0% | ​ | ​ | 539,282
Bank of Jackson Hole Trust | ​ | 73.7% | ​ | ​ | 12,656 | ​ | 6.5% | ​ | ​ | 1,116 | ​ | 7.0% | ​ | ​ | 1,202
Tier 1 risk based capital ratio: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consolidated | ​ | 13.6% | ​ | $ | 1,053,193 | ​ | N/A | ​ | ​ | N/A | ​ | 8.5% | ​ | $ | 657,917
NBH Bank | ​ | 12.3% | ​ | ​ | 949,171 | ​ | 8.0% | ​ | $ | 616,322 | ​ | 8.5% | ​ | ​ | 654,842
Bank of Jackson Hole Trust | ​ | 73.7% | ​ | ​ | 12,656 | ​ | 8.0% | ​ | ​ | 1,373 | ​ | 8.5% | ​ | ​ | 1,459
Total risk based capital ratio: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consolidated | ​ | 15.5% | ​ | $ | 1,199,042 | ​ | N/A | ​ | ​ | N/A | ​ | 10.5% | ​ | $ | 812,720
NBH Bank | ​ | 13.5% | ​ | ​ | 1,040,004 | ​ | 10.0% | ​ | $ | 770,402 | ​ | 10.5% | ​ | ​ | 808,922
Bank of Jackson Hole Trust | ​ | 73.8% | ​ | ​ | 12,672 | ​ | 10.0% | ​ | ​ | 1,717 | ​ | 10.5% | ​ | ​ | 1,803
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2024
​ | ​ | ​ | ​ | ​ | ​ | ​ | Required to be | ​ | Required to be
​ | ​ | ​ | ​ | ​ | ​ | ​ | well capitalized under | ​ | considered
​ | ​ | ​ | ​ | ​ | ​ | ​ | prompt corrective | ​ | adequately
​ | ​ | Actual | ​ | action provisions | ​ | capitalized(1)
​ | ​ | Ratio | ​ | Amount | ​ | Ratio | ​ | Amount | ​ | Ratio | ​ | Amount
Tier 1 leverage ratio: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consolidated | ​ | 10.7% | ​ | $ | 1,037,550 | ​ | N/A | ​ | ​ | N/A | ​ | 4.0% | ​ | $ | 388,278
NBH Bank | ​ | 9.5% | ​ | ​ | 921,509 | ​ | 5.0% | ​ | $ | 483,533 | ​ | 4.0% | ​ | ​ | 386,826
Bank of Jackson Hole Trust | ​ | 31.0% | ​ | ​ | 12,461 | ​ | 5.0% | ​ | ​ | 2,013 | ​ | 4.0% | ​ | ​ | 1,611
Common equity tier 1 risk based capital: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consolidated | ​ | 13.2% | ​ | $ | 1,037,550 | ​ | N/A | ​ | ​ | N/A | ​ | 7.0% | ​ | $ | 550,074
NBH Bank | ​ | 11.8% | ​ | ​ | 921,509 | ​ | 6.5% | ​ | $ | 508,418 | ​ | 7.0% | ​ | ​ | 547,528
Bank of Jackson Hole Trust | ​ | 77.2% | ​ | ​ | 12,461 | ​ | 6.5% | ​ | ​ | 1,049 | ​ | 7.0% | ​ | ​ | 1,129
Tier 1 risk based capital ratio: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consolidated | ​ | 13.2% | ​ | $ | 1,037,550 | ​ | N/A | ​ | ​ | N/A | ​ | 8.5% | ​ | $ | 667,947
NBH Bank | ​ | 11.8% | ​ | ​ | 921,509 | ​ | 8.0% | ​ | $ | 625,746 | ​ | 8.5% | ​ | ​ | 664,855
Bank of Jackson Hole Trust | ​ | 77.2% | ​ | ​ | 12,461 | ​ | 8.0% | ​ | ​ | 1,291 | ​ | 8.5% | ​ | ​ | 1,371
Total risk based capital ratio: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consolidated | ​ | 15.1% | ​ | $ | 1,187,514 | ​ | N/A | ​ | ​ | N/A | ​ | 10.5% | ​ | $ | 825,111
NBH Bank | ​ | 13.0% | ​ | ​ | 1,016,471 | ​ | 10.0% | ​ | $ | 782,182 | ​ | 10.5% | ​ | ​ | 821,291
Bank of Jackson Hole Trust | ​ | 77.3% | ​ | ​ | 12,462 | ​ | 10.0% | ​ | ​ | 1,613 | ​ | 10.5% | ​ | ​ | 1,694
​ | ​ | ​
(1) |  | Includes the capital conservation buffer of 2.5%.
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- Definition The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1D -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1D Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1A -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1A Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1F -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1F + Details
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