| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 13,533 | 9,225 |
| Provision for credit losses | 4,032 | 1,813 |
| Depreciation | 175 | 116 |
| Amortization and writeoff of loan servicing assets | 4,150 | 2,640 |
| Amortization of operating lease right of use assets | 656 | 436 |
| Amortization of subordinated debt issuance costs | 56 | 38 |
| Investment securities amortization and accretion, net | 573 | 368 |
| Stock compensation expense | 1,671 | 1,148 |
| Gain on sale of loans | 8,722 | 5,130 |
| Gross originations of loans held for sale | 309,916 | 171,804 |
| Proceeds from sale of loans held for sale | 278,701 | 160,941 |
| Income from bank owned life insurance | 464 | 210 |
| Net change in deferred income taxes | 536 | -32 |
| Decrease (increase) in accrued interest receivable | -89 | 422 |
| (decrease) increase in other assets | 2,593 | 3,213 |
| Net change in operating lease liability | -551 | -372 |
| Increase in accrued interest payable and other liabilities | 3,265 | 307 |
| Net cash used in by operating activities | -17,027 | -4,823 |
| Purchases of premises and equipment | 195 | 51 |
| Purchase of bank owned life insurance | 15,000 | - |
| Purchase of securities available for sale | 28,832 | 21,903 |
| Maturities and repayments of investment securities available for sale | 11,252 | 5,152 |
| Maturities and repayments of investment securities held to maturity | 1,946 | 1,031 |
| Purchase of fhlb stock | 861 | 861 |
| Purchased loans | 0 | 0 |
| Net change in loans | 129,886 | 57,394 |
| Net cash used in investing activities | -161,576 | -74,026 |
| Net increase in deposits | 157,097 | 97,384 |
| Net change in short-term borrowings | 0 | 0 |
| Proceeds from repayment of stock option loans | 548 | 548 |
| Net proceeds from issuance of common stock | 226 | 24 |
| Net cash provided by financing activities | 157,871 | 97,956 |
| Net decrease in cash and cash equivalents | -20,732 | 19,107 |
| Cash and cash equivalents at beginning of period | 124,122 | - |
| Cash and cash equivalents at end of period | 103,390 | - |
GBank Financial Holdings Inc. (GBFH)
GBank Financial Holdings Inc. (GBFH)