GBank Financial Holdings Inc. (GBFH) Q1 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

to our very first call as a NASDAQ traded company. It started this morning. I'm sure you all know that. We've been on an adventure with the SEC and the NASDAQ application with the whole goal to get to become trading as of the 30th of April so that we would also be eligible for the Russell 2000 reorganization. So without one day to spare, we were live this morning. And so it was very, we had board meetings yesterday and we celebrated together because it is a very big step for us. So we have a new birthday of GBain Financial Holdings of April 30th, yeah, April 30th, 2025. But I want to welcome you this morning. We're going to change our format a bit from our prior calls. And then Ryan, and I have been going to be doing about 15 minutes or so of presentations and then we're going to open it up for questions and answers. We're not going to reread our report that we sent out. And Jeff Wicker, our chief financial officer is also here in the room to answer questions as well. And I'm going to start off. Because we will be talking about our company, our growth company. We're a banking and payments company, but we do and have been a growth company for some time. And our growth right now, if we focus on our report that we just submitted, we have really seen growth in other income. And our other income has always been led by our SBA gain on sales. Ryan and I were talking about the time where our gap gain was well over 10% in our gain on sales. And if someone told us that several years from now, the gap gain would be in the threes or 3.8 or 9%, we would have been very concerned. But it has done that, and yet we've been able to maintain our growth. Yes, we've increased our volume in SBA, and Ryan's going to talk about that. But I want to focus on our payments. Because if we looked...