Los Angeles, CA · Cert 22366 · GBC Holdings Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27 to 28). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
42
Asset Quality
39
Profitability
57
Liquidity
72
Efficiency
61
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Los Angeles, CA · Cert 22366 · GBC Holdings Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #71 of 107 inst. · $0.3B of $667.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.64% | 0.51% | 0.61% | 0.74% | 0.83% | 1.16% | 1.08% | +47 bps | |
| Return on Equity | 4.12% | 4.41% | 3.49% | 4.07% | 4.97% | 5.53% | 7.54% | 6.91% | +284 bps | |
| Net Interest Margin | 2.80% | 2.79% | 2.79% | 2.90% | 3.04% | 3.01% | 3.71% | 3.68% | +78 bps | |
| Efficiency Ratio | 76.72% | 74.23% | 76.59% | 74.81% | 70.73% | 68.10% | 59.64% | 62.23% | -1,258 bps | |
| Non-Interest Burden | 2.05% | 1.98% | 2.06% | 2.10% | 2.06% | 1.95% | 2.08% | 2.15% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.97% | 5.23% | 2.04% | 4.20% | 1.36% | 1.55% | 3.27% | 0.46% | -374 bps | |
| Loan Growth (YoY) | -5.01% | -2.74% | -1.56% | -5.45% | 1.72% | 0.04% | 2.13% | 2.38% | +782 bps | |
| Deposit Growth (YoY) | 21.26% | 19.74% | 12.37% | 6.20% | 2.04% | -1.23% | 0.11% | -1.59% | -778 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.16% | 1.56% | 1.50% | 1.55% | 0.59% | 0.68% | 0.21% | 0.26% | -130 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.10% | -0.07% | -0.07% | 0.04% | 0.01% | 0.06% | 0.03% | +11 bps | |
| Allowance / Loans | 1.23% | 1.18% | 1.21% | 1.21% | 1.12% | 1.13% | 1.11% | 1.12% | -9 bps | |
| Allowance Coverage of NPLs | 1.1x | 0.8x | 0.8x | 0.8x | 1.9x | 1.7x | 5.3x | 4.3x | +3.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.80% | 14.68% | 14.78% | 15.26% | 15.55% | 15.07% | 15.42% | 15.94% | +69 bps | |
| Total Risk-Based Capital | 14.80% | 14.68% | 14.78% | 15.26% | 15.55% | 15.07% | 15.42% | 15.94% | +69 bps | |
| Equity / Assets | 14.50% | 14.43% | 15.02% | 15.26% | 15.14% | 15.20% | 15.55% | 16.16% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.21% | 86.15% | 86.78% | 87.04% | 86.94% | 87.26% | 88.54% | 90.55% | +351 bps | |
| Liquid Assets / Assets | 18.94% | 18.14% | 17.99% | 16.54% | 14.82% | 14.24% | 14.55% | 12.91% | -363 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 395% | 388% | 380% | n/a | n/a | |
Los Angeles, CA · Cert 22366 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28) · GBC Holdings Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
1.10%
Rank 11 of 28
Net Interest Margin
3.68%
Rank 14 of 28
Efficiency Ratio
62.23%
Rank 12 of 28
Equity / Assets
16.16%
Rank 12 of 28
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.10% | 0.39% | 0.81% | 1.45% | Beats 61% | 11 / 28 | ||
| Return on Equity | 6.82% | 2.58% | 5.09% | 9.10% | Beats 61% | 11 / 28 | ||
| Net Interest Margin | 3.68% | 3.22% | 3.68% | 4.12% | Beats 50% | 14 / 28 | ||
| Efficiency Ratio | 62.23% | 56.77% | 70.25% | 85.37% | Beats 61% | 12 / 28 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.26% | n/a | 0.26% | 1.61% | Beats 52% | 14 / 27 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | n/a | 0.02% | Beats 26% | 21 / 27 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.94% | 13.70% | 16.46% | 19.75% | Beats 36% | 18 / 28 | ||
| Total Risk-Based Capital Ratio | 15.94% | 14.96% | 17.60% | 20.63% | Beats 32% | 19 / 28 | ||
| Equity / Assets | 16.16% | 11.97% | 15.41% | 17.42% | Beats 57% | 12 / 28 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.55% | 84.00% | 97.95% | 102.47% | 36th pctl | 18 / 28 | ||
| Loans / Assets | 69.39% | 69.18% | 76.59% | 81.19% | 29th pctl | 20 / 28 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||