Pros
Since NBH is new, there are many more opportunities to help shape the company. Management is generally receptive to changes and open to input. The company really does take the "Common Sense" approach it professes. Policies are in place, with some flexibility where warranted. There isn't a lot of unnecessary bureaucracy like larger public banks often have. The credit culture is conservative, but also flexible when needed and prudent.
Cons
Being a newer bank can be a double-edged sword. Many systems and policies are less sophisticated than other public banks. The loan workflow tool is sophisticated; however, user knowledge and training are limited. There have been some growing pains with some acquisitions. Staff at smaller banks they've acquired tend to have much weaker credit cultures and have struggled with the level of organization that NBH has. After being in growth mode so long, many relationship managers have not learned to manage and monitor their portfolios effectively.