GBank Financial Holdings (GBFH) Conference presentation summary

Business overview and growth strategy

• Operates a diversified banking platform with $1.4B in assets as of June 30, 2026, focusing on commercial banking, SBA lending, and gaming FinTech & payments.

• Three growth avenues: two Las Vegas branches, national SBA lending across 42 states, and a 32.99% stake in BankCard Services (BCS) serving gaming and payments clients nationwide.

• Leadership is highly aligned, with insiders owning over 21% and a seasoned board providing oversight.

Financial performance and key metrics

• Net interest margin at 3.78%, core ROAA at 1.56%, and core ROAE at 12.87% for Q2 2026.

• Strong organic growth from June 2025 to June 2026: total loans up 20.2%, deposits up 16.8%, noninterest income up 69.9%, and average earning assets up 17.8%.

SBA lending and hotel portfolio

• Ranked #9 in SBA 7(a) lending and #1 in hotel SBA lending, with a disciplined, talent-led national platform.

• Hotel portfolio is diversified by region and brand, with $866M in commitments and a focus on limited-service and roadside hotels.

• Weighted loan-to-value at 72%, average cap rate 9.24%, average DSCR 1.9x, and breakeven occupancy at 41%.