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GBC International Bank

$100M-$1B Specialty: Commercial CA FDIC cert 22366

Los Angeles, CA

8 branches across CA · WA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
  • Deposits -1.6% year over year ($504.6M on the books).
  • Delinquency rate 0.26%.
  • Return on assets 1.08%.
  • Efficiency ratio 62.23% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.53% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 53 in CA
View $100M-$1B leaderboard (CA) →

GBC International Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 2.25% below tier average
  • + Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 40.0% in tier
  • - Flatlined Growth: Bottom 44.2% in tier
  • - ROA 0.24% below tier average
  • - Net Interest Margin 0.21% below tier average
Get updates when GBC International Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $658.5M
+0.5% YoY -2.7% QoQ
+$271.9M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
Top 14.9% in tier
Total Loans ? $451.8M
+2.5% YoY -1.3% QoQ
+$193.4M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
84%
Total Deposits ? $504.6M
-1.6% YoY -3.5% QoQ
+$177.9M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
80%
Return on Assets ? 1.08%
+78.0% YoY -6.8% QoQ
-0.24% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
39%
Net Interest Margin ? 3.78%
+27.8% YoY -1.5% QoQ
-0.21% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
41%
Efficiency Ratio ? 62.23%
-16.8% YoY +4.3% QoQ
-2.25% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
50%
Delinquency Rate ? 0.26%
-83.4% YoY +24.2% QoQ
-0.66% 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
61%
Loan-to-Deposit Ratio ? 89.53%
+4.1% YoY +2.3% QoQ
+11.58% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
27%
Non-Interest-Bearing Deposit Share ? 12.66%
-5.8% YoY +3.4% QoQ
-9.37% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
16%
Nonperforming Asset Ratio ? 0.18%
-83.1% YoY +26.0% QoQ
-0.49% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
63%
Tier 1 Capital Ratio ? 15.94%
+4.5% YoY +3.4% QoQ
+0.03% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
72%
Non-Interest Income / Assets ? 0.18%
+28.2% YoY +128.2% QoQ
-0.39% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
44%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 12.7%
-0.8pp YoY
+0.4pp QoQ
 -9.5pp 22.1% 25.5% 22.2% 16%
Brokered Deposits 5.7%
-2.9pp YoY
-1.4pp QoQ
 -2.2pp 7.9% 11.0% 8.5% 57%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 11.5%
+0.7pp YoY
-2.1pp QoQ
 -0.1pp 11.6% 11.8% 12.5% 61%
CRE 89.4%
-0.4pp YoY
+2.4pp QoQ
 +49.9pp 39.5% 67.5% 41.4% 99%
1-4 Family 0.5%
-0.2pp YoY
-0.3pp QoQ
 -32.2pp 32.6% 16.5% 31.3% 1%
Consumer n/a n/a 4.1% 5.3% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.7% 19.7% n/a
Leverage Ratio 15.9%
+0.7pp YoY
+0.5pp QoQ
 +3.8pp 12.2% 14.5% 12.6% 90%
Total Capital Ratio n/a n/a 19.9% 25.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 89
+8 (+9.9%) YoY
-1 (-1.1%) QoQ
 +30 58 337 482 82%
Assets per Employee ($) $7.4M
-8.6% YoY
-1.6% QoQ
 -$120K $7.5M $11.3M $8.8M 59%
Branch Count 8
0 YoY
0 QoQ
 +3 4 15 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.3%
-1.3pp YoY
+0.1pp QoQ
 -0.7pp 0.9% 1.4% 1.0% 35%
Allowance Coverage 4.35x
+459.6% YoY
-18.4% QoQ
 -19.81x 24.15x 17.11x 20.23x 67%
Net Charge-off Rate (YTD) 0.0%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 60%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 6.9%
+2.8pp YoY
-0.6pp QoQ
 -5.3pp 12.2% 8.2% 11.6% 20%
Cost of Funds (YTD) 2.4%
-0.4pp YoY
0.0pp QoQ
 +0.7pp 1.7% 1.9% 1.7% 88%
Net Income ($, YTD) $3.6M
+81.1% YoY
— QoQ
 +$1.1M $2.6M $28.5M $40.4M 77%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Deposit Outflow

decline
#215 of 535 • Bottom 40.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Flatlined Growth

risk
#235 of 529 • Bottom 44.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.08%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

396
Total Assets
size
Value: $658.46M
Peer Median: $386.57M
#396 of 2643 Top 14.9% in $100M-$1B
417
Total Loans
size
Value: $451.79M
Peer Median: $258.35M
#417 of 2643 Top 15.7% in $100M-$1B
520
Total Deposits
size
Value: $504.60M
Peer Median: $326.73M
#520 of 2643 Top 19.6% in $100M-$1B

Top Weaknesses (1 metrics)

2217
Non-Interest-Bearing Deposit Share
funding
Value: 12.66%
Peer Median: 22.03%
#2217 of 2643 Bottom 16.2% in $100M-$1B
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