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GBank Financial Holdings (GBFH) investor relations material
GBank Financial Holdings Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Q3 2025 net income was $4.3 million ($0.30 per diluted share), down from $5.0 million in Q3 2024, impacted by $2.0 million in unusual operating expenses including executive severance and credit card campaign discontinuation.
Net revenue grew 13.5% sequentially to $20.2 million, and 24.8% year-over-year, driven by digital banking, payments, and gaming initiatives.
Major operational focus on digital transformation, payments innovation, and fraud prevention, with new CEO and key technology hires.
Total assets increased 16% year-over-year to $1.3 billion, with loan portfolio up 15% to $940.6 million.
Noninterest income rose 84% year-over-year, led by higher loan sales and interchange fees.
Financial highlights
Net interest income for Q3 2025 was $13.0 million, up 4.9% sequentially and 6.0% year-over-year.
Net interest margin was 4.35% in Q3 2025, down from 5.00% in Q3 2024 due to lower market rates.
Non-interest expense rose to $12.3 million, reflecting unusual expenses and higher salaries and data processing.
SBA lending and commercial banking originations hit a record $242.1 million, up 57% sequentially.
Credit card transaction volume rose 57% sequentially to $131.3 million.
Outlook and guidance
Non-interest expenses expected to normalize after this quarter's unusual items.
Anticipated significant deposit and transaction growth from gaming partnerships and BoltBetz onboarding in 2026.
Credit card growth may be delayed a quarter due to application process upgrades; new digital credit card platform launched.
Pipeline of SBA loans ready to process once the government reopens.
No material impact expected from recent federal tax legislation for 2025.
Detail the drivers of nonaccrual loan increase
Gaming FinTech: How will new platform prevent fraud?
Are unusual expenses truly non-recurring?
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Next GBank Financial Holdings earnings date
Q4 202530 Jan, 2026
Next GBank Financial Holdings earnings date
Q4 202530 Jan, 2026
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