Nbh Bank: Bank Stress & Real-Estate Credit Exposure

At 57/100, Nbh Bank's DLRadar bank-stress reading is moderate; the institution is filed under FDIC Cert #59052. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

Nbh Bank runs a mid-sized, multi-state real-estate lending footprint — 55 U.S. counties across 8 states, spanning 932 ZIP codes. Its heaviest exposure sits in Colorado (26 counties), Missouri (12 counties), Kansas (5 counties), Wyoming (4 counties). Over the trailing week its stress reading is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. Because Nbh Bank is publicly traded (NBHC) under National Bank Holdings Corp, its financials are open to scrutiny and its trend can be independently checked. No bank is too small to score the same way: Nbh Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 55-county, 932-ZIP profile means exactly what it would for any institution nationwide. The combination of a moderate reading and a mid-sized footprint is what makes Nbh Bank worth watching as a supply signal. What separates this from a plain credit rating is the geographic weighting — Nbh Bank's 57/100 reading reflects not just its balance sheet but the 55 counties it lends into, so the score doubles as a map of where its stress will land first. County by county, that footprint includes Dallas County, TX, Travis County, TX, Jackson County, MO, El Paso County, CO, among others DLRadar tracks parcel by parcel. Rather than a standalone rating, the moderate score is tied to real markets — every one of the 932 ZIP codes Nbh Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side.

For buyers, lender stress is an early map of supply: when Nbh Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.