Gbank Financial Holdings Inc. · NASDAQ:GBFH
Gbank Financial — Raymond James US Bank and Banking on Tech Conference (September 2026)
20 slides from Gbank Financial's conference presentation, September 2026
Slide 1: Investor Presentation
DRAFT • STRICTLY PRIVATE AND CONFIDENTIAL Investor Presentation September 2026 Commercial banking • SBA lending • Gaming FinTech & payments A diversified banking platform built for disciplined growth. GBank Financial Holdings Inc. • Nasdaq: GBFH 1
Slide 2: Disclaimers
Disclaimers This presentation contains, and future oral and written statements of GBank Financial Holdings Inc. (the “Company,” “we,” “us” or “our”) Any forward-looking statement made by the Company in this presentation is based only on information currently available to us and and its management ma
Slide 3: Company Overview
Company Overview Industry-leading profitability and growth profile GBank Financial Holdings Inc., a bank holding company with $1.4 billion in assets as of June 30, FOUNDED LAS VEGAS BRANCHES 2026, conducts business through its wholly owned subsidiary, GBank. 2007 2 THREE COMPLEMENTARY AVENUES OF GRO
Slide 4: Q2 2026 Metrics
GBank Financial Holdings Inc. Q2 2026 Metrics 1 Non-GAAP financial measure which management believes facilitates a better understanding of the Company’s financial condition. See Appendix for Non-GAAP Measures Reconciliation. 4
Slide 5: SBA Lending Overview
SBA Lending Overview PORTFOLIO STATISTICS AS OF JUNE 30, 2026 Nationwide platform Market leadership WEIGHTED LOAN-TO-VALUE AVERAGE DSCR SBA and USDA guaranteed loans 9 SBA 7(a) and 1hotel SBA lender . 72% 1.9x 2 nationwide. Disciplined underwriting Talent-led expansion AVERAGE C AP RATE BREAKEVEN OC
Slide 6: SBA Lending Hotel Portfolio Summary
SBA Lending Hotel Portfolio Summary Diversified accommodation portfolio PORTFOLIO STATISTICS AS OF JUNE 30, 2026 Established national franchise A top national SBA 7(a) hotel / motel lender for more than five years, with strong national relationships and a premier government-guaranteed lending positi
Slide 7: Non-Guaranteed SBA Hotel Loan Analysis
Non-Guaranteed SBA Hotel Loan Analysis ORIGINATIONS, DEFAULTS AND LOSSES BY VINTAGE 7
Slide 8: Non-Guaranteed SBA Hotel Loan Analysis
Non-Guaranteed SBA Hotel Loan Analysis Historic losses vs. current ACL demonstrate reserve sufficiency SEASONED DEFAULTS LOSS ON DEFAULT IMPLIED NON-SEASONED LOSS 5.3% 28.1% $4.0M Observed seasoned-loan Observed seasoned-loan severity If historical experience repeats experience Method: seasoned loan
Slide 9: Credit Card Summary
Credit Card Summary Targeted credit, fraud and payment controls implemented to strengthen portfolio performance TRANSACTION VOLUME AND INTERCHANGE FEES KEY MEASURES IMPLEMENTED Standardized ACH holds across programs to reduce payment risk and credit-line cycling. Rebuilt application controls with Le
Slide 10: Gaming FinTech Overview
GBANK / BCS GAMING FINTECH PLATFORM PORTFOLIO OVERVIEW BankCard Services BANKING SOLUTIONS FOR GAMING Gaming FinTech Overview BCS PLATFORM STRATEGY BCS provides prepaid access-account infrastructure for gaming and retail payment apps and digital- wallet providers. Banking infrastructure for gaming a
Slide 11: The money-movement opportunity is materially larger than reported GGR
2025 U.S. COMMERCIAL GAMING MARKET OPPORTUNITY • TRANSACTION ACTIVITY The money-movement opportunity is materially $517B larger than reported Gross Gaming Revenue (GGR). ESTIMATED TOTAL MARKET SIZE Sports handle is published nationally. Equivalent slot and iGaming wagering measures exist, but nation
Slide 12: BoltBetz casino-floor application
BOLTBETZ • CASINO-FLOOR APPLICATION The slot-floor experience powered by the full BCS /GBank digital-cage architecture. BoltBetz is the patron-facing mobile and web platform that connects onboarding, funding, loyalty, machine transfer and cash-out to the bank-ledgered infrastructure underneath. DEPL
Slide 13: Bankroll AXES-embedded payments
BANKROLL • AXES-EMBEDDED PAYMENTS GBANK / BCS PROPRIETARY BANKING SYSTEM A fully compliant system embedded in the CMS digital wallet—moving funds in real time. Bankroll connects a patron’s external bank account to the AXES IMS and gaming device through GBank’s regulated PPA / PIMS environment—withou
Slide 14: Lucky Loads virtual prepaid Visa
LUCKY LOADS • VIRTUAL PREPAID VISA GBANK / BANKROLL / BCS INFRASTRUCTURE A consumer gaming wallet that turns funding into everyday engagement. The Lucky Loads App combines a virtual prepaid Visa card, wallet access, sports content and rewards—giving players one destination for approved gaming fundin
Slide 15: Appendix
SECTION A Appendix Detailed portfolio, credit-quality and non- GAAP reconciliation information. 15
Slide 16: Loan and Servicing Portfolio Summary
Loan and Servicing Portfolio Summary Strong loan growth and disciplined lending strategy SOLD LOANS SERVICED ASSETS UNDER MANAGEMENT Q2 SBA ORIGINATIONS HELD FOR SALE GOVERNMENT GUARANTEED $1.2B+ $2.6B $131.4M $50.8M $225.8M /16.7% Disciplined portfolio oversight: geographic diversification within t
Slide 17: Asset and Credit Quality
Asset and Credit Quality PORTFOLIO QUALITY AND ALLOWANCE CREDIT QUALITY UPDATE NONACCRUAL LOANS $14.7M Excludes $36.9 million guaranteed by the SBA ADJUSTED NON-PERFORMING ASSETS 1.49% Of total assets after removing guaranteed portions Q2 2026 MOVED TO NONPERFORMING $7.5M Management remains confiden
Slide 18: Non-GAAP Measures Reconciliation
Non-GAAP Measures Reconciliation 2018 THROUGH Q2 2026 18
Slide 19: Non-GAAP Measures Reconciliation (Cont.)
Non-GAAP Measures Reconciliation (Cont.) CORE RETURNS AND GUARANTEED LOAN PRINCIPAL 19
Slide 20: Thank You!
Thank You! 20