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GBC International Bank

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

Los Angeles, CA

8 branches across CA · WA

2664 banks in the $100M-$1B peer group nationally 53 in CA
View $100M-$1B leaderboard (CA) →

GBC International Bank has 2 strengths but faces 2 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 5.64% below tier average
  • + Delinquency Rate 0.68% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.11% below tier average
  • - Net Interest Margin 0.09% below tier average
Get updates when GBC International Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $676.6M
+3.3% YoY -0.7% QoQ
+$290.5M $386.1M
+0.5% YoY
$4.7B
+7.7% YoY
$6.2B
+9.1% YoY
Top 13.7% in tier
Total Loans ? $457.8M
+2.2% YoY +0.5% QoQ
+$202.1M $255.7M
+1.1% YoY
$3.2B
+8.4% YoY
$3.2B
+10.8% YoY
Top 14.9% in tier
Total Deposits ? $522.8M
+0.1% YoY -1.0% QoQ
+$194.8M $328.0M
+0.1% YoY
$3.9B
+7.0% YoY
$4.8B
+8.2% YoY
82%
Return on Assets ? 1.16%
+125.3% YoY +39.7% QoQ
-0.11% 1.27%
+12.9% YoY
1.80%
+29.4% YoY
1.23%
+13.4% YoY
47%
Net Interest Margin ? 3.84%
+32.9% YoY +20.4% QoQ
-0.09% 3.93%
+6.0% YoY
3.85%
+3.8% YoY
3.89%
+5.7% YoY
49%
Efficiency Ratio ? 59.64%
-22.1% YoY -12.4% QoQ
-5.64% 65.29%
-4.5% YoY
68.78%
-8.1% YoY
66.95%
-4.1% YoY
61%
Delinquency Rate ? 0.21%
-86.2% YoY -69.6% QoQ
-0.68% 0.89%
+18.8% YoY
1.17%
+69.3% YoY
0.95%
+18.8% YoY
64%
Loan-to-Deposit Ratio ? 87.56%
+2.1% YoY +1.5% QoQ
+10.92% 76.64%
+0.8% YoY
85.13%
+2.0% YoY
76.70%
+0.9% YoY
29%
Non-Interest-Bearing Deposit Share ? 12.24%
-12.4% YoY -3.6% QoQ
-9.78% 22.02%
-1.0% YoY
25.15%
-3.9% YoY
22.01%
-1.2% YoY
16%
Nonperforming Asset Ratio ? 0.14%
-86.4% YoY -69.3% QoQ
-0.50% 0.64%
+19.7% YoY
0.91%
+65.9% YoY
0.67%
+19.3% YoY
65%
Tier 1 Capital Ratio ? 15.42%
+4.3% YoY +2.3% QoQ
-0.41% 15.83%
+1.5% YoY
21.08%
-3.4% YoY
17.06%
+0.8% YoY
69%
Non-Interest Income / Assets ? 0.08%
+7.6% YoY -74.9% QoQ
-0.20% 0.28%
+9.3% YoY
0.70%
+11.6% YoY
0.32%
+4.1% YoY
38%

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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

367
Total Assets
size
Value: $676.59M
Peer Median: $386.08M
#367 of 2664 Top 13.7% in $100M-$1B
399
Total Loans
size
Value: $457.78M
Peer Median: $255.72M
#399 of 2664 Top 14.9% in $100M-$1B
491
Total Deposits
size
Value: $522.82M
Peer Median: $327.97M
#491 of 2664 Top 18.4% in $100M-$1B

Top Weaknesses (1 metrics)

2252
Non-Interest-Bearing Deposit Share
funding
Value: 12.24%
Peer Median: 22.02%
#2252 of 2664 Bottom 15.5% in $100M-$1B
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