About Us


National Bank Holdings Corporation is a bank holding company created to build a leading community bank franchise delivering high quality customer service and committed to shareholder results. National Bank Holdings Corporation operates a network of 97 banking centers located in Colorado, the greater Kansas City region and Texas. Through the Company's subsidiary, NBH Bank, it operates under the following brand names: Bank Midwest in Kansas and Missouri, Community Banks of Colorado in Colorado, and Hillcrest Bank in Texas.


Our Beliefs


Common sense has never been common. If it were, the world would be a different place.

Things would run smoothly and on time. People would do what they say and say what they do. Everything would be fair, without all the small type.

And banks would only sell you what you need. When your banker looked at you they wouldn’t just see a number, they’d see a dad or a mom or a graduate or a business owner. They'd understand the complexities of people's lives and offer simple solutions.

That's why we bank with common sense and we invite you to do the same.

That means straight talk, personal attention, and sensible, clear decisions from real people. No jibber jabber, no smoke and mirrors and no passing the buck. And no making you talk to a machine when what you need is a person.

If that makes sense to you, then you might be right for us.

And we might be right for you.

Where Common Sense Lives.®

For more information, please view the video below.


Our Community Service


We’ve been told time again that getting the fundamentals right is the best way we can help the community. But we’re not satisfied with that answer. We’d like to help in other ways too. That’s why as a bank and as individuals, we put aside some time and money to help out. Here are a few things we do.

We help people understand money.

It’s just common sense that people who understand what they’re signing make better decisions, so we dedicate a portion of our time to providing financial education to our clients and the public. We also support institutions and other efforts in the community to improve people’s understanding of financial products and how they work.

We help people find work.

If you want to work, we think you should be able to work. So we are dedicated to helping those who want to work get the jobs they are looking for. Not only do we hire a diverse range of local people ourselves, but we also volunteer for and support organizations that help people get back on their feet and move forward with their plans.

We help people find quality housing.

Without affordable housing, it’s hard for people to get back on their feet and find the jobs they’re looking for. That’s why, in addition to providing financing for individual homes and developments, we also support organizations that provide quality low-income housing.


Management Team


G. Timothy Laney

Chairman, President and Chief Executive Officer

Tim is the former Senior Executive Vice President and Head of Business Services at Regions Financial. He joined Regions in late 2007 to lead transformation of the bank's wholesale lines of business. During his 24-year tenure with Bank of America, Mr. Laney held senior management roles in small business, commercial banking, private banking, corporate marketing and change management. He also served as President of Bank of America-Florida, with more than 800 banking centers and $50 billion in total assets. He was also a member of Bank of America's Management Operating Committee.


Brian F. Lilly

Chief Financial Officer and Chief of M&A and Strategy

Brian has extensive industry knowledge, with over 30 years of financial services experience. Most recently, Brian was Vice Chairman and Chief Operating Officer of F.N.B. Corporation, where he was responsible for all activities of finance, investor relations, treasury, asset and liability committee, credit administration, risk management, technology and operations, legal, facilities and consumer finance. He was a key leader in FNB’s mergers and acquisitions strategy and execution, helping to build FNB into a leading $12 billion regional bank holding company. Prior to the Chief Operating Officer role, he spent six years as FNB’s Chief Financial Officer and Chief Administrative Officer, having reestablished those functions following the unique spin-off of the company in 2003. Prior to joining FNB, Brian had a 15-year tenure at PNC Financial, where he held line-of-business and geographic Chief Financial Officer roles as well as co-heading corporate strategic planning.


Richard U. Newfield, Jr.

Chief Risk Officer

Rick is the former Executive Vice President and Head of Business Services Credit at Regions Bank. He joined Regions in 2008 after a 23-year career at Bank of America. Mr. Newfield held various senior positions at Bank of America, including roles in risk management, credit, commercial banking, global bank debt and corporate marketing. He brings significant experience in development and implementation of business models and integration of businesses during mergers. In addition, Mr. Newfield has led credit process reengineering initiatives, including risk and credit policy design, and corporate governance.


Zsolt K. Besskó

Chief Administrative Officer & General Counsel

Zsolt comes to us with significant experience in securities law, mergers and acquisitions and corporate governance in his 17-year legal career. He has had a particular focus in the banking industry both in private practice and as in-house counsel. Prior to joining the company, Zsolt was a partner with the law firm of Stinson Morrison & Hecker LLP. Previously, he served as the Executive Vice President, General Counsel and Secretary of Guaranty Bancorp, a publicly traded bank holding company, where he oversaw the company's legal and compliance departments. As an attorney in private practice, Zsolt assisted publicly traded and privately held companies involving mergers and acquisitions, securities transactions, SEC reporting, corporate governance, executive compensation, employment and human resources, regulatory issues and general corporate matters. He began his legal career at Sullivan & Cromwell LLP in New York City.




Board of Directors


G. Timothy Laney

Chairman and National Bank Holdings Corporation President & Chief Executive Officer

Tim brings considerable expertise and experience in leading and managing across all banking lines of business. Tim is the former Senior Executive Vice President and Head of Business Services at Regions Financial; served on the Executive Council of Regions Bank; Director, Regions Equipment Finance Corporation and Regions Business Capital Corporation and President of Bank of America-Florida. He previously held senior management roles during his 24-year tenure with Bank of America in small business, commercial banking, private banking, corporate marketing and change management.


Ralph W. Clermont

Lead Director

Ralph is a former Managing Partner of KPMG LLP's St. Louis office and Partner in Charge of KPMG's Midwest financial services practice. Ralph joined KPMG in 1969 and was elected to the Partnership in 1977. He is a Certified public accountant and a member of the AICPA and Missouri Society of CPAs.


Frank V. Cahouet


Frank brings to the table more than 50 years of experience in the banking industry. Previously, Frank was chairman, president and CEO of Mellon Financial Corporation from 1987 to 1998. Prior to that, he was president and COO of Fannie Mae from 1986 to 1987 and chairman, president and CEO of Crocker National Bank from 1984 to 1986.


Robert E. Dean


Robert has performed as the former Managing Director of Ernst & Young Corporate Finance LLC. He practiced corporate and securities law at Gibson, Dunn & Crutcher LLP for over 24 years.


Lawrence K. Fish


Lawrence is the retired Chairman and CEO of Citizens Financial Group. He is also a past member of the Federal Advisory Council of the Federal Reserve System and a former director of the Federal Reserve Bank of Boston.


Fred J. Joseph


Fred was a financial services regulator for 30 years, retiring at the end of 2013 as the Banking and Securities Commissioner for the State of Colorado, a dual role created in 2011. He was originally appointed as the Securities Commissioner in 1999. In that role, he oversaw the regulatory agency that licenses stockbrokers, brokerage firms and investment advisers in Colorado. In his role as the Banking Commissioner, he had regulatory oversight of state-chartered commercial banks, money transmitters and trust companies in Colorado. Fred also served as the Acting Banking Commissioner for the State of Colorado from 2008 to 2010. From 1992 to 1999, he was the Deputy Securities Commissioner for the State of Colorado. In that position, he oversaw the examination functions as well as the administrative matters for the Colorado Division of Securities. Prior to that, he was the Deputy Commissioner of Financial Services in Colorado for eight years, where he was responsible for the examination and regulatory oversight of state-chartered savings and loan associations and credit unions in Colorado.

Fred is a past President of the North American Securities Administrators Association (NASAA), and also served as a director on NASAA’s Board for almost a decade. Fred holds a Bachelor of Science degree in Business Administration from Colorado State University-Pueblo and an MBA in Finance and Accounting from Regis University in Denver.


Micho F. Spring


Micho is currently Chairperson, Global Corporate Practice and President, New England region for Weber Shandwick. She is the former CEO of Boston Telecommunications Company and former Deputy Mayor of Boston. Micho currently sits on the Executive Committee of the Greater Boston Chamber of Commerce and holds numerous board memberships. She is a past director of Citizens Bank of Massachusetts, a $35 billion state chartered bank.


Burney S. Warren


Burney formerly acted as Executive Vice President and Director of M&A for Branch Banking and Trust Company ( BB&T ), the 10th largest commercial bank in the U.S. ranked by deposits until 2007. He was responsible for development, structure and negotiation of BB&T's bank and non-bank acquisitions. Prior to that, he served as President and CEO of First Federal Savings Bank in Greenville, NC.

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