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 | |