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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.74% | 0.83% | 1.16% | 1.08% | +47 bps | |
| Return on Equity | 4.07% | 4.97% | 5.53% | 7.54% | 6.91% | +284 bps | |
| Net Interest Margin | 2.90% | 3.04% | 3.01% | 3.71% | 3.68% | +78 bps | |
| Efficiency Ratio | 74.81% | 70.73% | 68.10% | 59.64% | 62.23% | -1,258 bps | |
| Non-Interest Burden | 2.10% | 2.06% | 1.95% | 2.08% | 2.15% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.20% | 1.36% | 1.55% | 3.27% | 0.46% | -374 bps | |
| Loan Growth (YoY) | -5.45% | 1.72% | 0.04% | 2.13% | 2.38% | +782 bps | |
| Deposit Growth (YoY) | 6.20% | 2.04% | -1.23% | 0.11% | -1.59% | -778 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.55% | 0.59% | 0.68% | 0.21% | 0.26% | -130 bps | |
| Net Charge-Offs / Loans | -0.07% | 0.04% | 0.01% | 0.06% | 0.03% | +11 bps | |
| Allowance / Loans | 1.21% | 1.12% | 1.13% | 1.11% | 1.12% | -9 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.9x | 1.7x | 5.3x | 4.3x | +3.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.26% | 15.55% | 15.07% | 15.42% | 15.94% | +69 bps | |
| Total Risk-Based Capital | 15.26% | 15.55% | 15.07% | 15.42% | 15.94% | +69 bps | |
| Equity / Assets | 15.26% | 15.14% | 15.20% | 15.55% | 16.16% | +91 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.04% | 86.94% | 87.26% | 88.54% | 90.55% | +351 bps | |
| Liquid Assets / Assets | 16.54% | 14.82% | 14.24% | 14.55% | 12.91% | -363 bps | |
| CRE / Total Capital | n/a | 395% | 388% | 380% | n/a | n/a | |