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Income Statement
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Balance Sheet
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Income Overview
Net Income
$5,462K
EPS
$0.38
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Interest and fees on loans
20,093
18,958
18,744*
18,919
Interest on deposits with other financial institutions
1,296
1,257
950*
1,160
Taxable interest on investment securities
1,326
1,102
1,268*
1,421
Other interest bearing balances
14
277
102*
122
Total interest income
22,729
21,594
21,062*
21,622
Interest on deposits
9,509
8,893
8,107*
8,339
Interest on short-term borrowings
-
-
0*
0
Interest on subordinated debt
419
510
299*
285
Total interest expense
9,928
9,403
8,405*
8,624
Net interest income
12,801
12,191
12,657*
12,998
Provision for credit gaines
2,844
2,293
-1,116*
2,219
Net interest income after provision for credit losses
9,957
9,898
13,773*
10,779
Gain on sale of loans
5,544
3,790
3,408*
3,592
Loan servicing income
1,248
998
892*
762
Service charges and fees
86
58
57*
60
Net interchange fees
1,823
2,191
1,839*
2,406
Net gain on sales of investment securities
-
-
107*
-
Other income
448
417
144*
357
Total noninterest income
9,149
7,454
6,445*
7,177
Salaries and employee benefits
6,808
6,750
6,225*
6,589
Data processing
1,530
1,889
1,621*
1,637
Occupancy expense
399
410
393*
418
Legal and professional fees
631
371
510*
644
Loan related costs
953
459
699*
576
Audits and exams
492
198
357*
262
Advertising and marketing
397
830
505*
1,141
Fdic insurance
155
156
126*
134
Credit card fraud loss
51
4,213
-
-
Other
582
600
575*
916
Total noninterest expense
11,998
15,876
11,009*
12,317
Income before provision for income taxes
7,108
1,476
9,209*
5,639
Provision for income taxes
1,625
139
1,867*
1,282
Net income before equity investment loss
5,483
1,337
7,342*
4,357
Net loss attributable to equity investment
-21
-22
-7*
-49
Net income
5,462
1,315
7,335
4,308
Basic EPS
0.38
0.09
0.512
0.3
Diluted EPS
0.38
0.09
0.51
0.3
Basic Average Shares
14,470,352
14,414,505
14,324,139
14,280,165
Diluted Average Shares
14,543,745
14,506,000
14,375,632
14,525,422
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Interest and fees on loans
$20,093K
(13.78%↑ Y/Y)
Taxable interest on
investment securities
$1,326K
(-6.22%↓ Y/Y)
Interest on deposits with
other financial...
$1,296K
(-5.05%↓ Y/Y)
Other interest
bearing balances
$14K
(-88.03%↓ Y/Y)
Total interest income
$22,729K
(10.58%↑ Y/Y)
Net interest income
$12,801K
(3.33%↑ Y/Y)
Gain on sale of loans
$5,544K
(113.81%↑ Y/Y)
Net interchange
fees
$1,823K
(18.76%↑ Y/Y)
Loan servicing
income
$1,248K
(66.40%↑ Y/Y)
Other income
$448K
(-0.88%↓ Y/Y)
Service charges and fees
$86K
(59.26%↑ Y/Y)
Total interest
expense
$9,928K
(21.56%↑ Y/Y)
Net interest income
after provision for...
$9,957K
(-11.85%↓ Y/Y)
Total noninterest
income
$9,149K
(69.93%↑ Y/Y)
Provision for credit
gaines
$2,844K
(160.44%↑ Y/Y)
Interest on deposits
$9,509K
(20.29%↑ Y/Y)
Interest on subordinated
debt
$419K
(59.92%↑ Y/Y)
Income before
provision for income taxes
$7,108K
(13.11%↑ Y/Y)
Total noninterest
expense
$11,998K
(15.41%↑ Y/Y)
Net income before
equity investment loss
$5,483K
(14.28%↑ Y/Y)
Provision for income taxes
$1,625K
(9.35%↑ Y/Y)
Salaries and employee
benefits
$6,808K
(9.19%↑ Y/Y)
Data processing
$1,530K
(14.78%↑ Y/Y)
Loan related costs
$953K
(188.79%↑ Y/Y)
Legal and
professional fees
$631K
(10.51%↑ Y/Y)
Other
$582K
(-7.62%↓ Y/Y)
Audits and exams
$492K
(23.93%↑ Y/Y)
Occupancy expense
$399K
(-0.25%↓ Y/Y)
Advertising and marketing
$397K
(7.01%↑ Y/Y)
Fdic insurance
$155K
(20.16%↑ Y/Y)
Credit card fraud loss
$51K
Net income
$5,462K
(14.87%↑ Y/Y)
Net loss
attributable to equity...
-$21K
(51.16%↑ Y/Y)
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GBank Financial Holdings Inc. (GBFH)
GBank Financial Holdings Inc. (GBFH)