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Regulatory Capital (Tables)

9 Months Ended

Sep. 30, 2025

Regulatory Capital

Capital Ratio Requirements under Prompt Corrective Action or Other Regulatory Requirements


		September 30, 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		11.5%		$	1,095,345		N/A			N/A		4.0%		$	381,378
NBH Bank		10.5%			1,000,996		5.0%		$	474,795		4.0%			379,836
Bank of Jackson Hole Trust		33.9%			13,070		5.0%			1,928		4.0%			1,542
Common equity tier 1 risk based capital:
Consolidated		14.7%		$	1,095,345		N/A			N/A		7.0%		$	521,824
NBH Bank		13.5%			1,000,996		6.5%		$	481,436		7.0%			518,469
Bank of Jackson Hole Trust		76.8%			13,070		6.5%			1,107		7.0%			1,192
Tier 1 risk based capital ratio:
Consolidated		14.7%		$	1,095,345		N/A			N/A		8.5%		$	633,643
NBH Bank		13.5%			1,000,996		8.0%		$	592,536		8.5%			629,570
Bank of Jackson Hole Trust		76.8%			13,070		8.0%			1,362		8.5%			1,447
Total risk based capital ratio:
Consolidated		16.6%		$	1,239,582		N/A			N/A		10.5%		$	782,736
NBH Bank		14.7%			1,090,204		10.0%		$	740,670		10.5%			777,704
Bank of Jackson Hole Trust		76.9%			13,099		10.0%			1,703		10.5%			1,788


		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%.