Gbank Financial Holdings Inc. · NASDAQ:GBFH
Gbank Financial — Investor Presentation (September 2026)
20 slides from Gbank Financial's investor presentation, Sep 9, 2026
Slide 1: Investor Presentation September 2026
DRAFT • STRICTLY PRIVATE AND CONFIDENTIAL 1 Investor Presentation September 2026 Commercial banking • SBA lending • Gaming FinTech & payments GBank Financial Holdings Inc. • Nasdaq: GBFH A diversified banking platform built for disciplined growth.
Slide 2: Disclaimers
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-looking statements. Forward-looking statements are neither historical facts nor guarantees or assurances of fut
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, 2026, conducts business through its wholly owned subsidiary, GBank. FOUNDED 2007 LAS VEGAS BRANCHES 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 Nationwide platform SBA and USDA guaranteed loans nationwide. Market leadership 9 SBA 7(a) and 1 hotel SBA lender2. Disciplined underwriting National flags and conservative requirements. Talent-led expansion Continue adding top talent in attractive markets. PORTFOLIO STATISTICS
Slide 6: SBA Lending Hotel Portfolio Summary
SBA Lending Hotel Portfolio Summary Diversified accommodation portfolio 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 position. Resilient hotel profile Primarily lim
Slide 7: Non-Guaranteed SBA Hotel Loan Analysis: Originations, Defaults and Losses by Vintage
Non-Guaranteed SBA Hotel Loan Analysis ORIGINATIONS, DEFAULTS AND LOSSES BY VINTAGE
Slide 8: Non-Guaranteed SBA Hotel Loan Analysis
Non-Guaranteed SBA Hotel Loan Analysis Historic losses vs. current ACL demonstrate reserve sufficiency SEASONED DEFAULTS 5.3% Observed seasoned-loan experience LOSS ON DEFAULT 28.1% Observed seasoned-loan severity IMPLIED NON-SEASONED LOSS $4.0M If historical experience repeats 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: BankCard Services
BankCard Services BANKING SOLUTIONS FOR GAMING BCS PLATFORM STRATEGY Banking infrastructure for gaming and retail digital wallets. PPA / PCA ACCOUNT INFRASTRUCTURE Patented Pooled Player and Consumer Accounts powered by PIMS / CIMS . PREPAID ISSUANCE Visa, MasterCard and Discover Prepaid-Card Progra
Slide 11: 2025 U.S. Commercial Gaming $517B Estimated Total Market Size
2025 U.S. COMMERCIAL GAMING $517B ESTIMATED TOTAL MARKET SIZE Three gaming ecosystems. One high-frequency money-movement opportunity. The scale becomes visible when slot coin-in and iGaming wagers are viewed alongside sports-betting handle—not only operator revenue. IMPORTANT DISTINCTION This is wag
Slide 12: Deployed Clients and BoltBetz Casino-Floor Application
DEPLOYED CLIENTS 3,000+ slots across the combined client portfolios $800M combined gaming drop INITIAL DEPLOYMENT • Q4 2026 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 t
Slide 13: Strategic Integration: CMS-Native Infrastructure
STRATEGIC INTEGRATION CMS-NATIVE INFRASTRUCTURE Payments become part of the management system—not a separate product. DISTRIBUTED-GAMING SCALE Designed to serve multiple operators, locations and machine estates. GBANK COMPLIANCE Regulated foundation beneath the AXES experience. POWERED BY GBANK BANK
Slide 14: Core Proposition: Lucky Loads App
CORE PROPOSITION An App designed to be a recurring consumer destination, not a one-time card activation. PCA POWERED BY CIMS First activation of the BCS / GBank proprietary system. SPORTS WAGERING VOLUME RECAPTURE Immediately reopening lost credit card volume. LUCKY LOADS LLC • AN AFFILIATE OF BOLTB
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 $1.2B+ ASSETS UNDER MANAGEMENT $2.6B Q2 SBA ORIGINATIONS $131.4M HELD FOR SALE $50.8M GOVERNMENT GUARANTEED $225.8M / 16.7% Disciplined portfolio oversight: geographic diversification within
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
Slide 19: Non-GAAP Measures Reconciliation (Cont.)
Non-GAAP Measures Reconciliation (Cont.) CORE RETURNS AND GUARANTEED LOAN PRINCIPAL
Slide 20: Thank You!
Thank You! 20
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