GBank Financial (GBFH) revises Q2 nonperforming loan figures

Rhea-AI Filing Summary

GBank Financial Holdings Inc. (GBFH) filed an amended current report to correct certain preliminary asset quality figures previously released for the quarter ended June 30, 2026 so they align with the company’s Form 10‑Q. The corrections relate to past due and nonaccrual loan classifications and related nonperforming asset ratios.

As of June 30, 2026, nonaccrual loans increased by $1.4 million, from $50.2 million to $51.6 million, while loans past due 90 days and still accruing decreased by $3.4 million to $868 thousand. Total nonperforming assets decreased by $2.0 million to $58.2 million, and loans past due 30–89 days and accruing increased by $7.3 million to $12.2 million. The company also updated the split between guaranteed and non‑guaranteed nonperforming assets for several prior periods.

The company states these updates had no impact on its unaudited income statement, balance sheet, earnings per share, or allowance for credit losses for the three and six months ended June 30, 2026. For the quarter, GBFH reported net revenue of $21.95 million, net income of $5.46 million and diluted EPS of $0.38, with stockholders’ equity of $172.8 million and book value per share of $11.94.

Positive

• Net revenue for the quarter ended June 30, 2026 was $21.95 million, compared with $17.77 million a year earlier, indicating higher revenue generation.
• Net income for the quarter was $5.46 million, up from $4.76 million for the same quarter of 2025, with diluted EPS rising from $0.33 to $0.38.
• Common equity strengthened, with stockholders’ equity at $172.8 million and book value per share at $11.94 as of June 30, 2026, up from $10.63 a year earlier.

Negative

• Total nonperforming assets were $58.18 million as of June 30, 2026 versus $18.37 million a year earlier, and nonperforming assets to total assets rose to 4.06% from 1.49%.
• Nonaccrual loans increased to $51.65 million as of June 30, 2026, compared with $18.23 million a year earlier, reflecting a higher level of impaired credits.
• The allowance for credit losses to nonaccrual loans ratio declined to 24% at June 30, 2026 from 51% a year earlier, indicating lower reserve coverage relative to nonaccrual balances.

Filing Explained

The corrected figures now stand in the June 30 quarterly report, with no further 10-Q amendment required.

The August 20, 2026 8-K/A records a completed reporting correction: the revised asset-quality figures were incorporated into the June 30, 2026 Form 10-Q before it was issued, and the company says no amendment to that quarterly report is necessary.

The $7.3 million increase in loans past due 30 to 89 days includes one multifamily loan that was paid current on July 1, 2026, identifying a specific post-quarter-end change in that delinquency classification.

The information is furnished under Item 2.02; the filing states that it is not deemed filed for Section 18 liability and is not incorporated by reference unless another filing specifically says so.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

Net revenue (Q2 2026): $21,950 thousand Net income (Q2 2026): $5,462 thousand Diluted EPS (Q2 2026): $0.38 +5 more

8 metrics

Net revenue (Q2 2026) $21,950 thousand Quarter ended June 30, 2026

Net income (Q2 2026) $5,462 thousand Quarter ended June 30, 2026

Diluted EPS (Q2 2026) $0.38 Quarter ended June 30, 2026

Total nonperforming assets $58,179 thousand As of June 30, 2026, after amendment

Nonperforming assets to total assets 4.06% As of June 30, 2026

Allowance for credit losses $12,418 thousand As of June 30, 2026

Stockholders’ equity $172,810 thousand As of June 30, 2026

Book value per common share $11.94 As of June 30, 2026

Key Terms

nonaccrual loans, non-performing assets, allowance for credit losses (ACL), pre-provision net revenue, +2 more

6 terms

nonaccrual loans financial

"An increase in nonaccrual loans as of June 30, 2026 of $1.4 million"

Nonaccrual loans are loans a lender has stopped counting toward interest income because the borrower is overdue or unlikely to pay; the lender only records cash payments received and may set aside extra funds to cover potential losses. For investors, a rising number or amount of nonaccrual loans signals weaker credit quality, lower future interest revenue and larger potential write-downs — similar to pausing expected subscription income when many customers stop paying.

non-performing assets financial

"A decrease in total nonperforming assets as of June 30, 2026 of $2.0 million"

Loans or other credit exposures that are not producing expected income because borrowers have stopped making scheduled payments for a significant period (commonly around 90 days). Think of it like a business lending money that has gone quiet — the cash flow stops while the lender still carries the debt on its books. High levels of non-performing assets matter to investors because they reduce a lender’s earnings, tie up capital that could be used for growth, and signal higher risk of future losses.

allowance for credit losses (ACL) financial

"Allowance for credit losses (ACL) | | $ | 12,418"

Allowance for credit losses (ACL) is an accounting reserve banks and lenders set aside to cover loans and other receivables that may not be repaid. Think of it as a cushion or rainy-day fund that reduces reported assets to reflect expected losses; when the cushion grows, it can signal rising borrower trouble or more conservative accounting, and when it shrinks, it may boost reported profits and capital. Investors watch ACL to judge a lender’s risk exposure, earnings quality, and capital strength.

pre-provision net revenue financial

"Pre-Provision Net Revenue (1)"

Pre-provision net revenue is a bank’s income from core operations — interest earned minus interest paid plus fees and other operating income, after operating costs — measured before setting aside funds for potential loan losses. Investors use it to gauge how well a bank’s everyday business generates money independent of one-time loss reserves, like judging a store’s sales and operating profit before accounting for an expected number of returned items.

Tier 1 Leverage Ratio financial

"Tier 1 Leverage Ratio - Bank | | | 13.15 | %"

Tier 1 leverage ratio measures a bank’s core capital — the money that can absorb losses — as a share of its total assets, showing how much of its balance sheet is funded by real loss-absorbing capital rather than borrowed money. Investors use it like a safety gauge: a higher ratio means a bigger cushion against shocks and lower risk of insolvency, similar to how a thicker spare tire reduces the chance of being stranded.

gain on loan sales margin financial

"Gain on Loan Sales Margin (2) | | | 5.04 | %"

Offering Details

earnings

Offering

Offering Type earnings

FAQ

What did GBFH correct in its amended 8-K/A filing?

GBFH corrected preliminary figures for nonaccrual loans, past due loans, and nonperforming assets from its second-quarter 2026 earnings release so they match the asset quality data reported in its Form 10‑Q for the quarter ended June 30, 2026.

Did the GBFH 8-K/A corrections affect earnings or capital?

No. GBFH states the updates had no impact on its unaudited income statement, balance sheet, earnings per share, or allowance for credit losses for the three and six months ended June 30, 2026.

What were GBank Financial Holdings Inc. (GBFH) Q2 2026 earnings?

For Q2 2026, GBFH reported net revenue of $21.95 million and net income of $5.46 million, resulting in diluted EPS of $0.38. Return on average assets was 1.53% and return on average stockholders’ equity was 12.64%.

How did GBFH’s nonperforming assets change in Q2 2026?

As of June 30, 2026, total nonperforming assets were $58.18 million, and nonperforming assets to total assets were 4.06%. After correction, this represented a $2.0 million decrease from what was shown in the preliminary earnings release.

What is GBFH’s asset quality coverage through the allowance for credit losses?

At June 30, 2026, the allowance for credit losses (ACL) was $12.42 million. ACL to loans was 1.19%, and ACL to nonaccrual loans, excluding guaranteed portions, was 65%.

What were GBFH’s key capital ratios and book value in Q2 2026?

As of June 30, 2026, GBFH reported common equity to assets of 12.07%, a bank Tier 1 leverage ratio of 13.15%, stockholders’ equity of $172.81 million, and book value per common share of $11.94.

How active was GBFH in SBA lending during Q2 2026?

For the quarter ended June 30, 2026, GBFH reported SBA loan originations of $131.42 million and SBA loans sold of $110.08 million, with a gain on loan sales margin of 5.04%.

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Available on EDGAR 08/21/2026 - 06:01 AM Accepted by SEC EDGAR 08/20/2026 - 05:38 PM Learn about SEC filing dates

0001791145true00017911452026-07-292026-07-29

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K/A

(Amendment No. 1)

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 29, 2026

GBank Financial Holdings Inc.

(Exact name of Registrant as Specified in Its Charter)

Nevada			001-42621	82-3869786
(State or Other Jurisdiction of Incorporation)			(Commission File Number)	(IRS Employer Identification No.)
9115 West Russell Road Suite 110
Las Vegas, Nevada				89148
(Address of Principal Executive Offices)				(Zip Code)

Registrant’s Telephone Number, Including Area Code: (702) 851-4200

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common Stock, par value $0.0001 per share		GBFH		The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Explanatory Note

This Current Report on Form 8-K/A ("Amendment") amends the Current Report on Form 8-K for GBank Financial Holding Inc. (the "Company") filed with the U.S. Securities and Exchange Commission (the "SEC") on July 29, 2026 (the "Original Form 8-K"). The Company is filing this Amendment solely for the purpose of correcting certain preliminary financial results reported in the Company's press release relating to its preliminary financial results for the quarter ended June 30, 2026. (the "Earnings Release"), which was furnished as Exhibit 99.1 to the Original Form 8-K, in order to align with the financial results reported in the Company's Quarterly Report on Form 10-Q for the three and six months ended June 30, 2026, filed with the SEC on August 13, 2026 (the "Quarterly Report").
 

Item 2.02 Results of Operations and Financial Condition.

The Quarterly Report contains updated information with respect to the Company's past due and nonaccrual loan classifications. The Quarterly Report updates the information included in the Earnings Release as described below:

•An increase in nonaccrual loans as of June 30, 2026 of $1.4 million, from $50.2 million to $51.6 million, due to one loan reported as 90 days past due and accruing in the Earnings Release and transferred to nonaccrual status in the Quarterly Report.

•A decrease in loans past due 90 days and accruing as of June 30, 2026 of $3.4 million, from $4.3 million in the Earnings Release to $868 thousand in the Quarterly Report, due to the above mentioned loan which was transferred to nonaccrual status, as well as $2.0 million of loans transferred to current status in the Quarterly Report.

•A decrease in total nonperforming assets as of June 30, 2026 of $2.0 million, from $60.2 million in the Earnings Release to $58.2 million in the Quarterly Report, due to the above mentioned changes to loans 90 days past due and accruing in the Quarterly Report.

•An increase in loans past due 30 to 89 days and accruing as of June 30, 2026 of $7.3 million, from $4.9 million in the Earnings Release to $12.2 million in the Quarterly Report, attributable to one multifamily loan which was thirty days past due on June 30, 2026 and paid current on July 1, 2026.

•The Selected Amended Tables from the Earnings Release, furnished as Exhibit 99.1 to this Amendment, reflect updates to certain non-performing asset ratios and nonaccrual loan ratios as of June 30, 2026 as a result of the changes above.

•The Selected Amended Tables from the Earnings Release, furnished as Exhibit 99.1 to this Amendment, also reflect an update to the non-performing assets: non-guaranteed line item calculation within the "Additional Financial Information" section of the Earnings Release for the periods ended March 31, 2026, December 31, 2025, and September 30, 2025. The Company updated the non-performing assets: guaranteed portion for these periods to include the guaranteed portion of other real estate owned resulting in a decrease to the non-performing assets: non-guaranteed line item for these periods which was not reflected in the Earnings Release.

The updates described in this Amendment had no impact to the Company's unaudited income statement, balance sheet, earnings per share, or allowance for credit losses during the three and six month periods ended June 30, 2026. The updates described in this Amendment were identified and recorded prior to the Company's issuance of its Quarterly Report, and were incorporated into the Quarterly Report. Therefore, no amendments to the Quarterly Report are necessary.

In accordance with General Instruction B.2 of Form 8-K, the information in Item 2.02 of this Amendment, including Exhibit 99.1 furnished herewith, shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that section. The information in Item 2.02 of this Amendment, including Exhibit 99.1 furnished herewith, shall not be incorporated by reference into any filing or other document pursuant to the Exchange Act or the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such filing or document.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

99.1 Selected Amended Tables from Second Quarter 2026 Earnings Release of GBank Financial Holdings Inc.

104 Cover Page Interactive Data File (formatted as Inline XBRL).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			GBANK FINANCIAL HOLDINGS INC.
Date:	August 20, 2026	By:	/s/ Edward M. Nigro
			Edward M. Nigro Executive Chairman and Chief Executive Officer

Exhibit 99.1

GBank Financial Holdings Inc.

Additional Financial Information

(Unaudited)

		Three Months Ended																				For the Six Months Ended
($’s in 000, except per share data)		Jun 30, 2026				Mar 31, 2026				Dec 31, 2025				Sep 30, 2025				Jun 30, 2025				Jun 30, 2026				Jun 30, 2025
Key Performance Metrics
Return on Average Assets-Net Income (1)			1.53	%			0.39	%			2.20	%			1.37	%			1.59	%			0.98	%			1.60	%
Return on Average Stockholders’ Equity(1)			12.64	%			3.12	%			18.03	%			10.89	%			12.62	%			7.94	%			12.61	%
Efficiency Ratio			54.66	%			80.81	%			55.31	%			61.05	%			58.50	%			67.01	%			60.64	%
Net Interest Margin(1)			3.78	%			3.86	%			4.21	%			4.35	%			4.31	%			3.82	%			4.39	%
Net Revenue(1)		$	21,950			$	19,645			$	20,718			$	20,175			$	17,772			$	41,595			$	35,129
Common Equity / Assets			12.07	%			12.03	%			12.19	%			12.16	%			12.30	%			12.07	%			12.30	%
Tier 1 Leverage Ratio - Bank			13.15	%			13.39	%			13.42	%			13.72	%			13.82	%			13.15	%			13.82	%
Selected Loan Metrics
Guaranteed Portion of Loans Held for Sale		$	50,848			$	74,507			$	46,009			$	66,791			$	45,242			$	50,848			$	45,242
Guaranteed Portion of Loans Held for Investment			174,971				177,617				183,739				193,688				192,324				174,971				192,324
Total Guaranteed Loans			225,819				252,124				229,748				260,479				237,566				225,819				237,566
Guaranteed Loans as a Percent of Total Loans(2)			16.7	%			17.3	%			19.2	%			20.6	%			22.1	%			16.7	%			22.1	%
SBA Loan Originations		$	131,420			$	189,851			$	106,744			$	207,683			$	132,256			$	321,271			$	261,607
SBA Loans Sold		$	110,075			$	79,036			$	92,258			$	110,820			$	82,140			$	189,111			$	150,860
Gain on Loan Sales Margin(2)			5.04	%			4.79	%			3.93	%			3.24	%			3.16	%			4.94	%			3.40	%
Asset Quality
Total nonaccrual loans		$	51,648			$	39,736			$	32,141			$	34,608			$	18,227			$	51,648			$	18,227
Loans past due 90 days and still accruing			868				-				854				184				146				868				146
Other real estate owned			5,663				4,401				4,401				2,684				-				5,663				-
Total non-performing assets		$	58,179			$	44,137			$	37,396			$	37,476			$	18,373			$	58,179			$	18,373
Non-performing assets: guaranteed portion		$	36,876			$	34,340			$	28,240			$	29,236			$	13,792			$	36,876			$	13,792
Non-performing assets: non-guaranteed portion		$	21,303			$	9,797			$	9,156			$	8,240			$	4,581			$	21,303			$	4,581
Non-performing assets to total assets			4.06	%			3.17	%			2.75	%			2.88	%			1.49	%			4.06	%			1.49	%
Non-performing assets, excluding guaranteed, to total assets(2)			1.49	%			0.70	%			0.67	%			0.63	%			0.37	%			1.49	%			0.37	%
Net charge-offs		$	1,167			$	1,457			$	557			$	836			$	870			$	2,624			$	1,698
Loans past due 30-89 days and accruing		$	12,202			$	6,255			$	9,843			$	3,595			$	8,182			$	12,202			$	8,182
Loans past due 30-89 days and accruing: guaranteed portion		$	2,491			$	2,474			$	4,574			$	2,351			$	5,650			$	2,491			$	5,650
Loans past due 30-89 days and accruing: non-guaranteed portion		$	9,710			$	3,781			$	5,269			$	1,244			$	2,532			$	9,710			$	2,532
Allowance for credit losses (ACL)		$	12,418			$	10,755			$	9,890			$	10,577			$	9,205			$	12,418			$	9,205
Nonaccrual loans		$	51,648			$	39,736			$	32,141			$	34,608			$	18,227			$	51,648			$	18,227
ACL to nonaccrual loans			24	%			27	%			31	%			31	%			51	%			24	%			51	%
ACL to nonaccrual loans, excluding guaranteed(2)			65	%			122	%			136	%			141	%			208	%			65	%			208	%
ACL to loans			1.19	%			1.05	%			1.03	%			1.12	%			1.06	%			1.19	%			1.06	%
ACL to loans, excluding guaranteed(2)			1.42	%			1.27	%			1.28	%			1.42	%			1.36	%			1.42	%			1.36	%
Book Value
Stockholders’ Equity		$	172,810			$	167,622			$	165,755			$	158,193			$	151,749			$	172,810			$	151,749
Common shares outstanding			14,470				14,470				14,385				14,288				14,274				14,470				14,274
Book value per common share		$	11.94			$	11.58			$	11.52			$	11.07			$	10.63			$	11.94			$	10.63
Full-Time Equivalent Employees			189				189				184				187				188				189				188
(1) Ratios are annualized on an actual/actual basis
(2) See Reconciliation of Non-GAAP Financial Measures

GBank Financial Holdings Inc.

Reconciliation of Non-GAAP Financial Measures

(Unaudited)

		Three Months Ended																				For the Six Months Ended
($'s in 000, except per share data)		Jun 30, 2026				Mar 31, 2026				Dec 31, 2025				Sep 30, 2025				Jun 30, 2025				Jun 30, 2026				Jun 30, 2025
Pre-Provision Net Revenue(1)
Net Interest Income		$	12,801			$	12,191			$	13,455			$	12,998			$	12,388			$	24,992			$	24,282
Non-Interest Income			9,149				7,454				7,263				7,177				5,384				16,603				10,847
Net Revenue		$	21,950			$	19,645			$	20,718			$	20,175			$	17,772			$	41,595			$	35,129
Non-Interest Expense			11,998				15,876				11,460				12,317				10,396				27,874				21,303
Pre-Provision Net Revenue		$	9,952			$	3,769			$	9,258			$	7,858			$	7,376			$	13,721			$	13,826
Less:
(Provision) Net Benefit for Credit Losses			(2,844	)			(2,293	)			182				(2,219	)			(1,092	)			(5,137	)			(1,813	)
Provision For Income Taxes			(1,625	)			(139	)			(2,026	)			(1,282	)			(1,486	)			(1,764	)			(2,710	)
Net Loss Attributable to Equity Investment			(21	)			(22	)			(18	)			(49	)			(43	)			(43	)			(78	)
Net Income		$	5,462			$	1,315			$	7,396			$	4,308			$	4,755			$	6,777			$	9,225
Adjusted Diluted Earnings Per Share Excluding Unusual Items(2)
Net Income		$	5,462			$	1,315			$	7,396			$	4,308			$	4,755			$	6,777			$	9,225
Unusual Items:
Form S-1 and Uplift Costs			-				-				-				30				290				-				1,049
Severance Expenses			-				-				257				1,001				-				-				-
Credit Card Fraud Losses			52				4,213				-				-				-				4,265
Costs Incurred Related to Discontinued Credit Card Marketing Campaign			-				-				416				1,692				-				-				-
Net Gain on Sales of Investment Securities			-				-				(426	)			-				-				-				-
Tax Effect of Unusual Expenses (a)			(12	)			(963	)			(55	)			(605	)			(64	)			(975	)			(233	)
Net Income Excluding Unusual Items		$	5,502			$	4,565			$	7,588			$	6,426			$	4,981			$	10,067			$	10,041
Weighted average diluted shares outstanding			14,544				14,506				14,555				14,525				14,551				14,511				14,536
Diluted Earnings Per Share		$	0.38			$	0.09			$	0.51			$	0.30			$	0.33			$	0.47			$	0.63
Adjusted Diluted Earnings Per Share Excluding Unusual Expenses		$	0.38			$	0.31			$	0.52			$	0.44			$	0.34			$	0.69			$	0.69
Gain on Loan Sales Margin(1)
Gain on Sale of Loans		$	5,544			$	3,790			$	3,625			$	3,592			$	2,593			$	9,334			$	5,130
Loans Sold			110,075				79,036				92,258				110,820				82,140				189,111				150,860
Gain on Loan Sales Margin			5.04	%			4.79	%			3.93	%			3.24	%			3.16	%			4.94	%			3.40	%
Guaranteed Loans as a Percent of Loans(3)
SBA and USDA Guaranteed Loans		$	174,971			$	177,617			$	183,739			$	193,688			$	192,324			$	174,971			$	192,324
Loans, Net of Deferred Fees and Costs			1,047,352				1,025,136				959,269				940,591				871,630				1,047,352				871,630
Guaranteed Loans as a % of Loans			16.7	%			17.3	%			19.2	%			20.6	%			22.1	%			16.7	%			22.1	%
Non-performing assets, excluding guaranteed, to total assets(3)
Non-performing assets		$	58,179			$	44,137			$	37,396			$	37,476			$	18,373			$	58,179			$	18,373
Less: SBA and USDA guaranteed portions of non-performing assets			36,876				34,340				28,240				29,236				13,792				36,876				13,792
Non-performing assets, excluding guaranteed portions			21,303				9,797				9,156				8,240				4,581				21,303				4,581
Total assets			1,431,702				1,393,812				1,359,491				1,301,378				1,232,424				1,431,702				1,232,424
Non-performing assets, excluding guaranteed, to total assets			1.49	%			0.70	%			0.67	%			0.63	%			0.37	%			1.49	%			0.37	%
Allowance for credit losses (ACL) to nonaccrual loans, excluding guaranteed(3)
Nonaccrual loans		$	51,648			$	39,736			$	32,141			$	34,608			$	18,227			$	51,648			$	18,227
Less: SBA and USDA guaranteed portions of nonaccrual loans			32,481				30,949				24,849				27,112				13,792				32,481				13,792
Nonaccrual loans, excluding guaranteed portions			19,167				8,787				7,292				7,496				4,435				19,167				4,435
ACL to nonaccrual loans, excluding guaranteed			65	%			122	%			136	%			141	%			208	%			65	%			208	%
ACL to loans, excluding guaranteed(3)
Loans, net of deferred fees and costs		$	1,047,352			$	1,025,136			$	959,269			$	940,591			$	871,630			$	1,047,352			$	871,630
Less: SBA and USDA guaranteed portions of loans			174,971				177,617				183,739				193,688				192,324				174,971				192,324
Loans, excluding guaranteed			872,381				847,519				775,530				746,903				679,306				872,381				679,306
ACL to loans, excluding guaranteed			1.42	%			1.27	%			1.28	%			1.42	%			1.36	%			1.42	%			1.36	%
Non-GAAP Financial Measures Footnotes
(1) We utilize this non-GAAP measurement to present trends in income generation of the Company.
(2) We utilize this non-GAAP measurement to present the core earnings and core ratios of the Company by excluding certain significant one-time expenses.
(3) We utilize these non-GAAP measurements to provide useful metrics regarding the at-risk assets of the Company.
(a) Estimated tax impact calculated using each respective period's effective tax rate.

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