Gbank Financial Holdings Inc. · NASDAQ:GBFH
Gbank Financial — Investor Presentation (February 2026)
24 slides from Gbank Financial's investor presentation, Feb 4, 2026
Slide 1: Investor Presentation December 2025
DRAFT Investor Presentation December 2025 Strictly Privat e and Confidential
Slide 2: Disclaimers
For purposes of this presentation, MRQ = Most Recent Quarter, LTM = Last Twelve Months, and YTD = Year to Date. Disclaimers This presentation contains, and future oral and written statements of GBank Financial Holdings Inc. (the “Company,” “we,” “us” or “our”) and its management may contain, forward
Slide 3: Company Overview
Commercial Banking Credit Cards Payments Gaming FinTech SBA Lending $1.4B Total Assets 12.19% TCE / TA2 4.21% Net Interest Margin 2.25% Core ROAA2 18.50% Core ROAE2 Financial Highlights Strong Organic Growth Company Overview 1 BCS is affiliated with the Company through common ownership by certain sh
Slide 4: Investment Highlights
Investment Highlights GBank’s unique product offerings, community focus and strong leadership create a compelling investment opportunity Consistent Industry Leading Profitability GBFH has consistently demonstrated best-in-class profitability with annual core return on average assets1 between 1.51% a
Slide 5: Management Team & Directors
Management Team & Directors Ed is Chief Executive Officer of the Company and the Bank and a longtime Las Vegas business leader with deep experience in gaming hotels and casinos and real estate development (launched Nigro Associates Construction & Development). For the last 25 years he has focused on
Slide 6: Management Team & Directors (Cont.)
Management Team & Directors (Cont.) A. G. has deep experience advising gaming companies and regulators on compliance, licensing, and regulatory strategy. Previously, he served nearly two decades as a gaming regulator, including as Chairman of the Nevada Gaming Control Board, where he led negotiation
Slide 7: Insider Ownership
Insider Ownership Insider Position December 31, 2025 Shares (%) A. Lee Finley Independent Director 1,655,900 11.70 Edward M. Nigro CEO & Executive Chairman 1,201,128 8.49 Charles William Griege Jr. Independent Director 457,890 3.24 Todd A. Nigro Secretary & Vice Chairman 344,130 2.43 Timothy P. Herb
Slide 8: Recent Developments
Recent Developments Meaningful Leadership Additions Hilary Sledge-Sarnor, Executive Vice President, General Counsel, and Corporate Secretary – seasoned payments/legal executive with deep pooled-account architecture expertise. Jason Amos, Executive Vice President, Chief Technology Officer – experienc
Slide 9: Timeline and Notable Events
Timeline and Notable Events 1) Non-GAAP measure. See Appendix for Non-GAAP Measures Reconciliation. Source: Company Financials Total Assets Over Time ($M) March 2020 $18.5M Private Placement of Common Stock December 2020 $6.5M Subordinated Notes Issuance December 2021 $20.0M Subordinated Notes Issua
Slide 10: Compelling Balance Sheet Growth
Compelling Balance Sheet Growth TOTAL ASSETS ($M) TOTAL LOANS ($M) TOTAL DEPOSITS ($M) TOTAL EQUITY ($M) CAGR: 28.3% CAGR: 30.5% CAGR: 28.3% CAGR: 27.1%
Slide 11: Financial Performance Trends
Financial Performance Trends 1) Non-GAAP measure. See Appendix for Non-GAAP Measures Reconciliation. NET INTEREST MARGIN – BANK CORE ROAA(1) BOOK VALUE PER SHARE CORE ROAE(1)
Slide 12: Gaming FinTech Overview
Gaming FinTech Overview Gaming FinTech Activity Trends Deposits ($M) Credit Card Transactions ($M) Pooled Player / Gaming Clients (Actual) The gaming ecosystem includes Commercial and Tribal Casinos, Sports and iGaming, e-Sports and Daily Fantasy, and State Lotteries. GBank / BCS contracts includes
Slide 13: Loan and Servicing Portfolio Summary
13 1,295 1,081 Loan and Servicing Portfolio Summary Note(s): Data as of December 31, 2025, unless otherwise stated Strong Loan Growth and Disciplined Lending Strategy As of December 31, 2025, GBank had over $1.0 billion of sold loans for which servicing is retained, resulting in total assets under m
Slide 14: Top Lending Relationships
14 Top 20 Lending Relationships Note: Data as of December 31, 2025
Slide 15: SBA Lending Overview
SBA Lending Overview 1) Non-GAAP measure. See Appendix for Non-GAAP Measures Reconciliation. OVERVIEW GAIN ON LOAN SALES MARGIN (%)(3) GBank offers SBA and USDA guaranteed loans nationwide GBank is recognized as one of the most active SBA lenders in the country #11 SBA 7(a) – FYE 09/30/25(1) #15 SBA
Slide 16: SBA Lending Hotel Portfolio Summary
19 SBA Lending Hotel Portfolio Summary GBank has been a top national SBA 7(a) hotel / motel lender for each of the past four years. GBank maintains strong national relationships and has established itself as the premier government guaranteed lender within the industry. With its strong credit analysi
Slide 17: Strong Asset and Credit Quality
15 In $000s unless otherwise stated As of December 31, As of Quarter End, 2020 2021 2022 2023 2024 Q1’25 Q2'25 Q3'25 Q4'25 Strong Asset and Credit Quality Note: Bank regulatory reporting as of December 31, 2025 1 Non-GAAP financial measure which management believes facilitates a better understanding
Slide 18: Deposit Portfolio Summary
20 Deposit Portfolio Summary 1 Core deposits exclude brokered certificates of deposit and time deposit accounts with balances greater than $100,000 Diversified Core Deposit Base Since December 31, 2024, total deposits have increased 22.2% or $207.6 million to $1.1 billion as of December 31, 2025. GB
Slide 19: Investment Highlights
Experienced and invested board and management (33% ownership) Commercial banking and national SBA lines High growth FinTech and payment opportunities Strong credit culture and pristine asset quality Robust capital and liquidity positions Investment Highlights Outstanding profitability and financial
Slide 20: Appendix
2 (eo) (= oO rr ) GBank Financial Holdings Inc. Append 1X
Slide 21: Financial Highlights
| © GBank Financial Ml Holdings Inc. Financial Highlights : Total Assets ($M) 238.4 344.3 470.6 620.3 678.7 918.4 1,122.4 1,359.5 3 Gross Loans ($M) 148.6 1947 292.0 317.5 368.0 594.4 816.0 959.3 us Loan Loss Reserve ($M) 2.3 mo Sl 6.2 6.9 7A O41 9.9 s Total Deposits ($M) 200.4 296.8 389.3 509.6 555
Slide 22: Non-GAAP Measures Reconciliation
Non-GAAP Measures Reconciliation
Slide 23: Non-GAAP Measures Reconciliation (Cont.)
Non-GAAP Measures Reconciliation (Cont.)
Slide 24: Thank You!
DRAFT Thank You! NASDAQCM:GBFH
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