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GBank Financial Holdings Inc.
GBFHCIK 0001791145NasdaqEmerging GrowthState Commercial BanksNevadaFY ends Dec 31
Period
FY 2025
Revenue
—
Net Income
$20.93M
Total Assets
$1.36B
Equity
$165.75M
Shares Out
14.47M
Op. Cash Flow
$9.64M
Business
GBank Financial Holdings Inc. is a publicly listed company in State Commercial Banks, incorporated in Nevada. Common stock trades on Nasdaq under the ticker GBFH.
Auto-generated from company profile
Financials
Consolidated Statement of Income
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 |
|---|---|---|---|
| Interest and fees on loans | 74 | 66 | |
| Interest on deposits with other financial institutions | 5 | 5 | |
| Taxable interest on investment securities | 6 | 4 | |
| Other interest bearing balances | 460,000 | 375,000 | |
| Total interest income | 84 | 75 | |
| Interest on deposits | 32 | 28 | |
| Interest on short-term borrowings | 0 | 113,000 | |
| Interest on subordinated debt | 1 | 1 | |
| Total interest expense | 34 | 29 | |
| Net interest income | 51 | 46 | |
| PROVISION FOR CREDIT LOSSES | 4 | 2 | |
| Net interest income after provision for credit losses | 47 | 44 | |
| Gain on sale of loans | 12 | 12 | |
| Loan servicing income | 3 | 2 | |
| Service charges and fees | 228,000 | 184,000 | |
| Net interchange fees | 8 | 1 | |
| Net gain on sales of investment securities | 426,000 | 0 | |
| Other income | 1 | 818,000 | |
| Total noninterest income | 25 | 16 | |
| Salaries and employee benefits | 25 | 22 | |
| Data processing | 6 | 4 | |
| Occupancy expense | 2 | 2 | |
| Legal and professional fees | 2 | 2 | |
| Loan related costs | 2 | 2 | |
| Audits and exams | 1 | 659,000 | |
| Advertising and marketing | 3 | 562,000 | |
| FDIC insurance | 520,000 | 454,000 | |
| Other | 3 | 3 | |
| Total noninterest expense | 45 | 36 | |
| INCOME BEFORE PROVISION FOR INCOME TAXES | 27 | 24 | |
| Provision for income taxes | 6 | 5 | |
| NET INCOME BEFORE EQUITY INVESTMENT LOSS | 21 | 19 | |
| Net loss attributable to equity investment | −145,000 | 0 | |
| Net income | 21 | 19 | |
| Basic earnings per share | 1.46 | 1.41 | |
| Diluted earnings per share | 1.44 | 1.39 | |
| Weighted-average basic shares outstanding | 14 | 13 | |
| Weighted-average diluted shares outstanding | 14 | 13 |
Consolidated Balance Sheet
As of · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 |
|---|---|---|---|---|
| Cash and due from banks | 5 | 9 | — | |
| Interest-bearing deposits with other financial institutions | 193 | 115 | — | |
| Total cash and cash equivalents | 198 | 124 | 98 | |
| Available for sale, at fair value (amortized cost of $71,061 at December 31, 2025 and $67,308 at December 31, 2024) | 71 | 66 | — | |
| Held to maturity, at amortized cost (fair value of $0 at December 31, 2025 and $40,392 at December 31, 2024) | 0 | 41 | — | |
| Loans held for sale | 46 | 33 | — | |
| Loans, net of deferred fees and costs | 959 | 816 | — | |
| Less: Allowance for credit losses | −10 | −9 | — | |
| Loans, net | 949 | 807 | — | |
| Premises and equipment, net | 1 | 835,000 | — | |
| Operating lease right-of-use asset | 5 | 5 | — | |
| Bank-owned life insurance | 30 | 14 | — | |
| Loan servicing assets, net | 11 | 9 | — | |
| Federal Home Loan Bank stock, at cost | 6 | 5 | — | |
| Other real estate owned | 4 | 0 | — | |
| Other assets | 38 | 19 | — | |
| Total Assets | 1,359 | 1,122 | — | |
| Noninterest-bearing demand | 214 | 240 | — | |
| Interest-bearing demand | 71 | 68 | — | |
| Savings | 289 | 257 | — | |
| Time | 569 | 371 | — | |
| Total deposits | 1,143 | 935 | — | |
| Short-term borrowings | 371,000 | 0 | — | |
| Redemption principal amount | 26 | 26 | — | |
| Operating lease liability | 6 | 5 | — | |
| Other liabilities | 19 | 16 | — | |
| Total liabilities | 1,194 | 982 | — | |
| Commitments and Contingencies (Note 10) | — | — | — | |
| Common stock, par value $0.0001; 80,000,000 shares authorized; 14,385,226 shares issued and outstanding at December 31, 2025 and 14,252,435 shares issued and outstanding at December 31, 2024 | 1,000 | 1,000 | — | |
| Additional paid-in capital | 80 | 78 | — | |
| Retained earnings | 85 | 64 | — | |
| Accumulated other comprehensive loss | −17,000 | −1 | — | |
| Total Stockholders' Equity | 166 | 141 | 98 | |
| Total Liabilities and Stockholders' Equity | 1,359 | 1,122 | — |
Consolidated Statement of Cash Flows
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 |
|---|---|---|---|
| Net income | 21 | 19 | |
| Depreciation | 237,000 | 254,000 | |
| Amortization and writeoff of loan servicing assets | 6 | 5 | |
| Amortization of operating lease right of use assets | 875,000 | 816,000 | |
| Amortization of subordinated debt issuance costs | 75,000 | 75,000 | |
| Investment securities amortization and accretion, net | −791,000 | −393,000 | |
| Net gain on sales of investment securities | −426,000 | 0 | |
| Loss on writedown of other real estate owned | 72,000 | 0 | |
| Stock compensation expense | 2 | 2 | |
| Gross originations of loans held for sale | −370 | −328 | |
| Proceeds from sale of loans held for sale | 377 | 339 | |
| Income from bank owned life insurance | −768,000 | −405,000 | |
| Net change in deferred income taxes | 134,000 | −443,000 | |
| Increase in accrued interest receivable | −656,000 | −2 | |
| Net change in other assets | −18 | −606,000 | |
| Net change in operating lease liability | −736,000 | −658,000 | |
| Increase in accrued interest payable and other liabilities | 3 | 3 | |
| Net cash provided by operating activities | 10 | 26 | |
| Purchases of premises and equipment | −496,000 | −194,000 | |
| Purchase of bank owned life insurance | −15 | 0 | |
| Proceeds from sales of securities available for sale | 14 | 0 | |
| Purchase of securities available for sale | −33 | −66 | |
| Maturities and repayments of investment securities available for sale | 16 | 2 | |
| Proceeds from sales of securities held to maturity | 39 | 0 | |
| Maturities and repayments of investment securities held to maturity | 2 | 57 | |
| Purchase of FHLB stock | −861,000 | −1 | |
| Purchased loans | 0 | −44 | |
| Net change in loans | −166 | −127 | |
| Net cash used in investing activities | −145 | −179 | |
| Net increase in deposits | 208 | 189 | |
| Increase (decrease) in short-term borrowings | 371,000 | −30 | |
| Repayment of stock option loans and other | 548,000 | 0 | |
| Net proceeds from issuance of common stock | 226,000 | 19 | |
| Net cash provided by financing activities | 209 | 179 | |
| Net (decrease) increase in cash and cash equivalents | 74 | 26 | |
| Cash payments for interest | 33 | 27 | |
| Cash payments for income tax | 4 | 6 | |
| Loans transferred to other real estate owned | 4 | 0 | |
| Loans held for sale transferred to held for investment | 3 | 53 | |
| Investment in BankCard Services LLC | 0 | 3 |
Filings
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