# GBANK
LAS VEGAS, NV · FDIC certificate 58626 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.43B | |
| Deposits | $1.22B | |
| Loans and leases | $1.10B | |
| Total equity | $185.9M | |
| Loans / deposits | 88.98% (p55 of band) | 87.10% |
| Liquid assets / assets | 17.96% (p36 of band) | |
| Uninsured deposits / deposits | 39.78% (p73 of band) | 30.76% |
| Brokered deposits | 8.42% | |
| Wholesale funding | 8.42% (p59 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.15% (p85 of band) | 10.50% |
| Unrealized securities loss / equity | -1.36% (p85 of band) | -7.75% |
| AOCI / equity | -1.03% (p17 of band) | |
| ROA (annualized) | 1.31% (p56 of band) | 1.26% |
| Net interest margin | 3.99% (p67 of band) | 3.70% |
| Efficiency ratio | 60.13% (p53 of band) | |
| Noncurrent loans | 4.96% (p99 of band) | 0.51% |
| Net charge-offs (annualized) | 0.38% (p93 of band) | |
| Reserve coverage of noncurrent | 22.78% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 1.21% (p6 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 17.0% | |
| Employees | 189 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 | losing money |  |
| 2011-09 | 5 | capital falling, charge-offs p90 |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking | losing money, capital falling |
| 2012-06 | 4 |  | charge-offs p90 |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 | charge-offs p90, uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2013-03 | 4 | deposits shrinking, assets shrinking | charge-offs p90, uninsured deposits leaving |
| 2013-06 | 3 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 4 | losing money, expense ratio p90 | charge-offs p90 |
| 2014-06 | 3 |  | noncurrent p90 |
| 2014-09 | 0 |  | reserve under noncurrent, losing money, expense ratio p90 |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | charge-offs p90 |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2020-09 | 0 |  | uninsured deposits >50%, run vulnerability |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | uninsured deposits >50% |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | charge-offs p90 |  |
| 2022-06 | 1 |  | charge-offs p90 |
| 2022-09 | 2 | charge-offs p90 |  |
| 2022-12 | 1 |  | charge-offs p90 |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 | noncurrent p90 | uninsured deposits >50% |
| 2023-09 | 2 | charge-offs p90, uninsured deposits leaving | noncurrent p90 |
| 2023-12 | 0 |  | charge-offs p90, uninsured deposits leaving |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 2 | reserve under noncurrent |  |
| 2024-09 | 2 | uninsured deposits >50%, run vulnerability | capital falling, reserve under noncurrent |
| 2024-12 | 2 | noncurrent p90, reserve under noncurrent | uninsured deposits >50%, run vulnerability |
| 2025-03 | 3 | charge-offs p90 |  |
| 2025-06 | 2 |  | charge-offs p90 |
| 2025-09 | 3 | capital falling |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | charge-offs p90 |  |
| 2026-06 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-31 [GBank Financial Holdings (GBFH) Stock Slips As Credit Risk Clouds Profit Gains - simplywall.st](https://news.google.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?oc=5) · simplywall.st
- 2026-07-20 [GBank Financial Holdings Inc. Announces Second Quarter 2026 - GlobeNewswire](https://news.google.com/rss/articles/CBMiuAJBVV95cUxQSHRuX3E1SjNENENJX1ZZUTQxaDZzbTMyX0g3UXNlQ3pvMWdUXzlyQjRtMTJHeHdadUJ3N3RsQV9ZbVNrYnJzUGxqZHpoMF9rdGJIX1BPWE01SllLaml3WWU0N1NXSmxPS1lpMUlaN0h0YURHT252OTBhWDFIQ3RCeU03enE3OXYxVkdNZjltOE02X0Fkejl5X0NIMEhnRGl6Nk51R25WZzR3R2xodzFqQXQ4Mk4yVktObmhlRXBJdDFIYmVLcVB3RjFHVXR0bzBTZG9YSWJDakpNdjhINHFWZlMzc1dZZnEzYjBCcUFvbV9RcXQzZ0lKOUNYZGtaS3hXRkJHZWVnWEowa1Y5cmtfNXhWRmNCYlBTOFlUMEJacUxSNzNFN2dYc0FobDVOZjA4dm5JR0xodTg?oc=5) · GlobeNewswire
- 2026-07-29 [GBank Financial Q2 Earnings Call Highlights - TradingView](https://news.google.com/rss/articles/CBMipwFBVV95cUxPM3ZubWNPR29MLXZFMWhVX3BEX2VxWFNYQ0Y2bWltWHFpWHI4NmpDYm1BVnlKbGZCeHFMdC1Rakt6cE83ZVJOZDJPejFIYURfUllFSTgtX3NwR09JNnJvOGE4eWo4blZJY3VoZUZ3VndhOUdsNUNCUDRpbXJRSDRaTENuSDRCbGdaNGJhV2Z1TGVfV2pUb3dlYk5peGpiSXp2MHhZTlBPNA?oc=5) · TradingView
- 2025-08-28 [GBank Financial Holdings Inc. Partners with BoltBetz and Terrible’s Gaming to Enhance Cashless Transactions in Casinos - Quiver Quantitative](https://news.google.com/rss/articles/CBMi8AFBVV95cUxPNjdab1FQTE1pal9HN0N0di1ENFFpTy1kTEY5RHhDcWg1Ym0yNDNFYWZSUDlPRVNBU2U2Ml9uSkJSaWgwbVJwV1BQQkRMYl9pTWJBTk1rRTQ4bFdXbko4M21oNmsyRzMzU1pPOGQ1dUdHSUJ1dTFrVnNveUhOTkM3SWVuc2lETkNPYWxKbk80bTFMN2tRckg4SlloY0xRTHdXNXBLNTh1YWxaanBybUZnS1did3k3ZkFJcjlGblZ6X0NUOWlwcUVEeVVUT3pldFJTaEQwbHdWVTMwMDZPTmRoNVUwaFBEUGxyVE04N19DRXI?oc=5) · Quiver Quantitative
- 2026-07-23 [GBank Financial Holdings Inc. is Pleased To Share the Press Release of Bankroll LLC [BVNKROLL] - GlobeNewswire](https://news.google.com/rss/articles/CBMi9gFBVV95cUxNclFEbzJZeWhwMng5TkJPNlR5NDYyWlNmaXprWDJBbXNfYlFYdVB4TGtUTUpHZ2F2TnMtYmlDT2FUWVo2OW9JMTVLNWxqYnlZZjJveFRTTnEzNHgySmtHU1FCYnFyWGVjbklLR1JiRW95eC1SVTlDN0NqWlJ6Y0w0QjNtMGR6R0xUZmxkeVBCYS03UlU4b2NacDQwX2lKdFRhNEhaa2tyNkhibmkwZzdxeW1BZU9LTW5SZ3AtV0pFUlpnWDFTbUhpb0VkYkhYT2FOZk9LVVVuaU1xOFc2UkpkS0p3SHVGNl9KX2t3dlVGTVhmTzFEOHc?oc=5) · GlobeNewswire
- 2025-11-05 [GBank Financial Holdings appoints Timothy Herbst to board of directors - Investing.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxPMndVQlhfSzZ3Q2h5S2d4dmprai1PMThRcFRXOW53S2hNM19vbktaYzBtdHI3TVpHRnZuVEpDSE9NWkNkdzdwY2lCV3pERVBqRFpIOFFjTDBDTzFuQlVyWE9ITTdaVnR2RFBQb3lYV0U4TXRQWm5jemZJSE12dC1KMV9WS3FKV185bHpfMlhTYnV4Qi1Xa1R5M2ZJYV9vQnRqYUZTLUxzMExhNU9fai1uUEMxVWwwMlpia1Vmdk4tVUU5d2tNZ2c?oc=5) · Investing.com
- 2026-05-19 [GBank Financial Holdings Inc. and GBank Announce Jeff - GlobeNewswire](https://news.google.com/rss/articles/CBMimAJBVV95cUxPUlhvakZHNUVnR1dJaVJ5ZUxTQWRtV2RPX1NfQnpkcTU5X3pqQm9kWlZEcTBXMVZMeWJJVHdoVHZtNzJvOENzeWowZG93cE8wY1Bodl9rbnppSUNzUktMX2dSRDdxcE5Pcmk0YnVtNlRvRW9BNEhJSFBWYURZa1dEM0hnOUJSdEplTGtUR3h2QkpjT21veFhnVWM5QlJic2wzcUxpMzVhTk5aaTJhejlRMDJ2VTJNZkFYQ2llaWp5TU5sMUZVcVR1NjNvR0dGRTVOY2RjOVBrcmV4dzBSZ1JETEl5TUVVUllBdzNsUG5GRFRzYmlQS1FzUFZjQnl4SDRTLUFuOUdDVHJmU3dlazcyLVMzM09Sdmla?oc=5) · GlobeNewswire
- 2026-01-21 [GBank Appoints Jason Amos as Executive Vice President and Chief Technology Officer - GlobeNewswire](https://news.google.com/rss/articles/CBMi6gFBVV95cUxPMy1fNGZQOHpKVjRheGxzSXVVQmJrYlp1Uk9XcmhjNm45ZWdGRkE0NmRSNGtGZHVjM1llUmttdzlVY1ZUMkZoSmd3YWQ0X1VBT1dhaU02TGFtN3l1MlJnakhLTGkzZUJkOFRrU21UVjIxSXRaamNsTVk3bk5vUjNRLWVwZEFNeERadGVhaXhoLVRwa0sxeVRxU3dtTkQ3amVnS0JwTXlFUmt3Yno1eGxral9ORjJQbURJQUlwb0lVNF9lVGdvTEVHN1pEaV9wZlZCdGtocXd1WG93R1YtbV80VHZfUkpQWUJWUUE?oc=5) · GlobeNewswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58626 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/2.json (key "58626", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide