GBC International Bank
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
$658.5MAssets
$456.9MLoans
$504.6MDeposits
$106.4MEquity
Executive Summary
- Strongest standing: return on assets outperforms 61% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 11 of 28).
- Widest gap: net charge-offs / loans trails 74% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 21 of 27).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $14.4M · efficiency ratio beats 61% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |