GBank Financial Holdings Inc.

Profitable, fast-growing Nevada commercial bank with top-decile ROA and top-quartile ROE, tempered by rising non-performing assets.

Strengths

• Strong returns: ROA 1.70% (89th pct) and ROE 12.6% (82nd pct), with 18% loan growth and a 56% jump in non-interest income
• Differentiated SBA/USDA lending and high-growth gaming-fintech/credit-card interchange franchise

Risks

• Asset-quality deterioration: NPAs rose to 2.75% of assets (from 1.26%), net charge-offs up to 0.33%, NIM compressed to 4.33%
• Smaller-scale bank with concentration in CRE/multifamily (90% of loans) and largely unseasoned portfolio

Notable findings

• Exec changeRecent 8-K item 5.02 8-K ↗