Las Vegas, NV · Cert 58626 · Gbank Financial Holdings Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
56
Asset Quality
7
Profitability
51
Liquidity
85
Efficiency
48
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Las Vegas, NV · Cert 58626 · Gbank Financial Holdings Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2026 SOD (annual) · 1.3% share · #12 of 41 inst. · $1.2B of $95.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.08% | 2.12% | 2.01% | 1.98% | 1.87% | 2.00% | 0.66% | 1.31% | -67 bps | |
| Return on Equity | 16.42% | 16.84% | 15.67% | 15.19% | 14.27% | 15.29% | 5.03% | 10.06% | -513 bps | |
| Net Interest Margin | 4.63% | 4.40% | 4.34% | 4.14% | 4.08% | 3.89% | 3.76% | 3.63% | -52 bps | |
| Efficiency Ratio | 54.43% | 52.01% | 53.23% | 52.35% | 53.64% | 53.23% | 74.16% | 60.13% | +778 bps | |
| Non-Interest Burden | 1.89% | 1.57% | 1.40% | 1.30% | 1.29% | 1.20% | 2.21% | 1.25% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 43.21% | 22.02% | 23.17% | 22.17% | 24.23% | 21.19% | 17.16% | 16.20% | -597 bps | |
| Loan Growth (YoY) | 62.70% | 24.12% | 13.64% | 12.73% | 18.61% | 18.46% | 24.30% | 19.78% | +705 bps | |
| Deposit Growth (YoY) | 47.98% | 27.62% | 23.69% | 23.14% | 23.84% | 19.87% | 17.74% | 16.96% | -618 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.64% | 1.67% | 2.30% | 2.00% | 3.45% | 3.28% | 3.61% | 4.96% | +296 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.37% | 0.37% | 0.34% | 0.31% | 0.53% | 0.48% | +11 bps | |
| Allowance / Loans | 0.93% | 1.07% | 1.02% | 1.00% | 1.05% | 0.98% | 0.98% | 1.13% | +13 bps | |
| Allowance Coverage of NPLs | 1.5x | 0.6x | 0.4x | 0.5x | 0.3x | 0.3x | 0.3x | 0.2x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.08% | 12.90% | 14.23% | 13.82% | 13.72% | 13.42% | 13.39% | 13.15% | -67 bps | |
| Total Risk-Based Capital | 13.08% | 12.90% | 14.23% | 13.82% | 13.72% | 13.42% | 13.39% | 13.15% | -67 bps | |
| Equity / Assets | 12.72% | 12.30% | 13.38% | 13.38% | 13.19% | 13.18% | 12.95% | 13.03% | -36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.39% | 88.23% | 87.81% | 87.88% | 91.37% | 87.20% | 92.71% | 90.00% | +212 bps | |
| Liquid Assets / Assets | 10.65% | 13.89% | 15.19% | 13.91% | 10.56% | 14.20% | 7.42% | 9.43% | -448 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 543% | 509% | 557% | n/a | n/a | |
Las Vegas, NV · Cert 58626 · Peer group: banks $1B-$10B in assets (n=322-328) · Gbank Financial Holdings Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.28%
Rank 144 of 328
Net Interest Margin
3.63%
Rank 118 of 328
Efficiency Ratio
60.13%
Rank 171 of 328
Equity / Assets
13.03%
Rank 53 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.28% | 0.91% | 1.22% | 1.52% | Beats 56% | 144 / 328 | ||
| Return on Equity | 9.82% | 8.43% | 11.45% | 14.43% | Beats 34% | 216 / 328 | ||
| Net Interest Margin | 3.63% | 3.03% | 3.45% | 3.83% | Beats 64% | 118 / 328 | ||
| Efficiency Ratio | 60.13% | 51.61% | 59.56% | 67.53% | Beats 48% | 171 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.96% | 0.24% | 0.51% | 1.03% | Beats 1% | 320 / 322 | ||
| Net Charge-Offs / Loans | 0.24% | 0.01% | 0.03% | 0.10% | Beats 13% | 282 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.15% | 11.75% | 13.15% | 15.47% | Beats 50% | 163 / 328 | ||
| Total Risk-Based Capital Ratio | 13.15% | 12.63% | 14.15% | 16.46% | Beats 33% | 219 / 328 | ||
| Equity / Assets | 13.03% | 9.15% | 10.33% | 12.01% | Beats 84% | 53 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.00% | 76.63% | 87.92% | 95.36% | 55th pctl | 146 / 323 | ||
| Loans / Assets | 76.94% | 65.18% | 74.15% | 79.98% | 63rd pctl | 120 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||