Excluding one-time items, Van Denabeele reported fourth-quarter net income of $22.7 million, or $0.60 in earnings per diluted share. Van Denabeele said the company’s goal is to hold about 15% of total assets in cash and investments and maintain a loan-to-deposit ratio of roughly 90%. For non-interest items, Van Denabeele said fourth-quarter non-interest income was $14.4 million and included $3.3 million in pre-tax securities losses. Van Denabeele guided to $2 million to $4 million of 2UniFi revenue contribution in 2026, included in fee income guidance. About National Bank (NYSE:NBHC)National Bank Holdings Corporation (NYSE: NBHC) is a diversified financial services holding company headquartered in Cape Girardeau, Missouri.