Financial Performance & Growth - GBank Financial Holdings Inc has demonstrated industry-leading growth, with total loans up by 62% and total deposits up by 49% from September 30, 2023, to September 30, 2024[10] - The company's YTD pre-tax income increased by 89%, and YTD net income increased by 81%[10] - Total assets reached $1048 million as of September 30, 2024[10,30] - The company has shown consistent profitability, with core return on average assets between 153% and 204% since 2018[12] Key Financial Metrics (Q3 2024) - Net interest margin stood at 500%[10] - Core ROAA was 196%[10] - Core ROAE was 1729%[10] - The efficiency ratio was 592%[30] - Total tangible equity was $1164 million, representing 111% of total assets[30] Strategic Initiatives & Opportunities - GBank is a top originator of SBA 7(a) credits and the leading originator of hotel SBA loans in the country[12] - The company has partnered with BankCard Services LLC, positioning itself as a market leader in the Gaming FinTech space[12] - GBank's Visa Signature® card saw quarterly transaction volume increase from $11 million to $139 million from Q1 2024 to Q3 2024[13] Loan Portfolio & Asset Quality - The loan portfolio totaled $846 million, with a yield of 857%[71] - Government guaranteed loans constitute 315% of the loan portfolio[71] - Non-performing assets (NPAs) excluding government guaranteed assets, represent 015% of total assets[30] - The allowance for credit losses (ACL) to gross loans, excluding government guaranteed loans, is 136%[30]