Core Insights - The government shutdown has not significantly impacted most banks, but small and midsized banks are facing challenges due to halted Small Business Administration (SBA) loan processing [1][2][3] - Hundreds of billions of dollars in SBA loans are frozen, affecting community bankers and small business owners [4][6] - The shutdown has led to a complete halt in new SBA loan originations since October 1, which could negatively impact bank earnings in the fourth quarter [8][10] Impact on Small and Midsized Banks - Small and midsized banks are more exposed to government programs that are currently on hold, particularly SBA loans [3][9] - The SBA guarantees loans, making them attractive for smaller banks, but the shutdown prevents banks from collecting fees associated with these loans [5][6] - Small business owners are at risk of going under due to lack of access to capital during the shutdown, which could further strain banks if these businesses fail [6][8] Future Outlook - Analysts hope for a quick reopening of the government to recapture lost loan activity, but prolonged shutdowns could extend the impact into future earnings seasons [9][10] - The expectation is that there may be a surge in loan transactions once the government reopens, but the uncertainty remains a concern for bank earnings [9][10]

S-1/A 1 gbfh_s1.htm FORM S-1/A As submitted to the Securities and Exchange Commission on April 1, 2025. Registration No. 333-285750 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 AMENDMENT NO. 2 TO FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 (Address, including zip code, and telephone number, including area code, of registrant's principal executive offices) GBANK FINANCIAL HOLDINGS INC. (Exact name of registrant as specified in its charter) (State or Other Juris ...