Gbank

Las Vegas, NV · Cert 58626 · Gbank Financial Holdings Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$1.4BAssets

$1.1BLoans

$1.2BDeposits

$185.9MEquity

Loan mix

Deposit mix

NIM

Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2026 SOD (annual) · 1.3% share · #12 of 41 inst. · $1.2B of $95.0B

Earnings: ROA of 1.31%, down 67 bps year over year; NIM at 3.63%.
Asset quality: problem loans at 4.96% of loans (+296 bps YoY), with net charge-offs at 0.48%.

Return on Assets (YTD, annualized)

1.31%-67 bps YoY

Net Interest Margin (YTD, annualized)

3.63%-52 bps YoY

Efficiency Ratio (YTD, annualized)

60.13%+778 bps YoY

Tier 1 Leverage Ratio

13.15%-67 bps YoY

Year to date, annualized, through each quarter.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	1.98%	1.87%	2.00%	0.66%	1.31%	-67 bps
Return on Equity	15.19%	14.27%	15.29%	5.03%	10.06%	-513 bps
Net Interest Margin	4.14%	4.08%	3.89%	3.76%	3.63%	-52 bps
Efficiency Ratio	52.35%	53.64%	53.23%	74.16%	60.13%	+778 bps
Non-Interest Burden	1.30%	1.29%	1.20%	2.21%	1.25%	-5 bps
Growth
Asset Growth (YoY)	22.17%	24.23%	21.19%	17.16%	16.20%	-597 bps
Loan Growth (YoY)	12.73%	18.61%	18.46%	24.30%	19.78%	+705 bps
Deposit Growth (YoY)	23.14%	23.84%	19.87%	17.74%	16.96%	-618 bps
Asset Quality
Nonperforming Loans / Loans	2.00%	3.45%	3.28%	3.61%	4.96%	+296 bps
Net Charge-Offs / Loans	0.37%	0.34%	0.31%	0.53%	0.48%	+11 bps
Allowance / Loans	1.00%	1.05%	0.98%	0.98%	1.13%	+13 bps
Allowance Coverage of NPLs	0.5x	0.3x	0.3x	0.3x	0.2x	-0.3x
Capital
Tier 1 Leverage Ratio	13.82%	13.72%	13.42%	13.39%	13.15%	-67 bps
Total Risk-Based Capital	13.82%	13.72%	13.42%	13.39%	13.15%	-67 bps
Equity / Assets	13.38%	13.19%	13.18%	12.95%	13.03%	-36 bps
Liquidity & Funding
Loans / Deposits	87.88%	91.37%	87.20%	92.71%	90.00%	+212 bps
Liquid Assets / Assets	13.91%	10.56%	14.20%	7.42%	9.43%	-448 bps
CRE / Total Capital	n/a	543%	509%	557%	n/a	n/a