HIGHBuilt-inLoan_portfolio
97%
commercial loans
“10-K Item 1A: 'our commercial loans, net of deferred fees and costs, totaled $925.4 million, or 97% of total loans'”
GBFH · Concentration risk · 10-K extracted
GBank Financial Holdings (GBFH) concentration risks
Updated
The most significant concentration GBank Financial Holdings discloses is commercial loans at 97%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: GBank Financial Holdings’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH2
MEDIUM1
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inLoan_portfolio
90%
commercial real estate and multifamily loans
“10-K Item 1A: 'Multifamily real estate loans and commercial real estate loans represented 90% of our total gross loan portfolio at December 31, 2025'”
MEDIUMBuilt-inLoan_portfolio
hospitality (hotel/motel) industry
“10-K Item 1: 'the Bank's largest NAICS subsector exposure was within the Hospitality (Hotel/Motel) industry at approximately $535.6 million, or 299% of the Bank's UCS'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06GBank Financial Holdings is heavily weighted toward commercial real estate. Commercial loans, net of deferred fees and costs, totaled $925.4 million, or 97%, of total loans, and multifamily and commercial real estate loans together represented 90% of the total gross loan portfolio at December 31, 2025 — both high-share, structural characteristics of the bank's core lending model. Within that book, the largest NAICS subsector exposure was the hospitality (hotel/motel) industry, at approximately $535.6 million, or 299% of the Bank's UCS — a medium-share concentration by the filing's own framing, though measured against a different denominator (the Bank's underwriting capital standard, not total loans or revenue). Together, these disclosures describe a bank whose loan portfolio is almost entirely commercial and predominantly real estate-secured, with hospitality standing out as the single largest industry subsector within that book. The real estate concentration is structural and would be the primary factor in any downside scenario tied to that asset class; the hospitality subsector adds a secondary, more idiosyncratic layer on top. Disclosed in the most recent 10-K.
For the engine’s reasoning on GBFH’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| GBFH● | GBank Financial Holdings Inc. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.