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GBC International Bank

Los Angeles, CA · Cert 22366 · GBC Holdings Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$658.5MAssets
$456.9MLoans
$504.6MDeposits
$106.4MEquity
Loan mix
87%RE $401.7M13%C&I $62.1M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $440.7M13%Noninterest $63.9MQ2 2025Q2 2026

NIM

5.77%Q2 ’245.68%Q2 ’255.89%Q2 ’26-1%+21%

Non-interest income vs. expense

2.50%Q2 ’242.35%Q2 ’252.57%Q2 ’26+6%+5%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #71 of 107 inst. · $0.3B of $667.8B

0.1% Los Angeles
0.0% Orange
0.0% Santa Clara
0.0% San Francisco

Executive Summary

  • Earnings: ROA of 1.00%, up 29 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.26% of loans (-130 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.94%, up 69 bps from a year ago.
  • Funding: loans stand at 90.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.00%+29 bps YoY

Net Interest Margin (quarter, annualized)

3.58%+62 bps YoY

Efficiency Ratio (quarter, annualized)

64.90%-818 bps YoY

Tier 1 Leverage Ratio

15.94%+69 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%1.02%1.08%1.16%1.00%+29 bps
Return on Equity4.65%6.73%7.14%7.54%6.29%+164 bps
Net Interest Margin2.96%3.30%3.37%3.71%3.58%+62 bps
Efficiency Ratio73.08%63.59%61.42%59.64%64.90%-818 bps
Non-Interest Burden2.09%1.97%1.92%2.08%2.19%+10 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 / Loans1.55%0.59%0.68%0.21%0.26%-130 bps
Net Charge-Offs / Loans-0.07%0.25%-0.08%0.06%0.00%+7 bps
Allowance / Loans1.21%1.12%1.13%1.11%1.12%-9 bps
Allowance Coverage of NPLs0.8x1.9x1.7x5.3x4.3x+3.6x
Capital
Tier 1 Leverage Ratio15.26%15.55%15.07%15.42%15.94%+69 bps
Total Risk-Based Capital15.26%15.55%15.07%15.42%15.94%+69 bps
Equity / Assets15.26%15.14%15.20%15.55%16.16%+91 bps
Liquidity & Funding
Loans / Deposits87.04%86.94%87.26%88.54%90.55%+351 bps
Liquid Assets / Assets16.54%14.82%14.24%14.55%12.91%-363 bps
CRE / Total Capitaln/a395%388%380%n/an/a