GBank Financial Holdings Inc.
Business
GBank Financial Holdings Inc. is a Nevada bank holding company operating through its wholly owned subsidiary GBank, a Nevada state-chartered bank with FDIC-insured deposits. The Bank delivers commercial banking services including deposits, loans, and prepaid debit card programs, serving small- to medium-sized businesses, high net worth individuals, and professionals through two Las Vegas branches and nationwide government-guaranteed lending. The Bank operates three primary business lines: government-guaranteed lending (SBA and USDA programs, particularly hospitality), Gaming FinTech prepaid access programs, and the GBank Visa Signature credit card for gaming and sports betting users.
Summary from 10-K filed 2026-03-30
Financials
Consolidated Statement of Income
| 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
| 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
| 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
Material Events
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Institutional Holders
Frequently asked questions
What is GBank Financial Holdings Inc.'s CIK number?
GBank Financial Holdings Inc.'s SEC CIK number is 0001791145 (1791145). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find GBank Financial Holdings Inc.'s SEC filings?
All of GBank Financial Holdings Inc.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did GBank Financial Holdings Inc. last report earnings?
GBank Financial Holdings Inc. (GBFH) most recently filed an earnings 8-K with the SEC on Apr 29, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001193125-26-191597). This is GBank Financial Holdings Inc.'s most recent earnings filing of record — not a forecast of its next earnings date.
What is GBank Financial Holdings Inc.'s most recent earnings 8-K?
GBank Financial Holdings Inc.'s latest earnings 8-K (Item 2.02) was filed Apr 29, 2026 under accession 0001193125-26-191597. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
View GBank Financial Holdings Inc.'s latest earnings 8-K →
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