GBC International Bank
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Data as of · sourced from FFIEC call reports. How we update
GBC International Bank is an FDIC-insured commercial bank headquartered in Los Angeles, CA, established in 1976 (FDIC certificate 22366), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $658.5M, up 0.5% from Q2 2025, the 71st largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.94% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22366
- Headquarters
- Los Angeles, CA
- Established
- 1976
- Total assets, Q2 2026
- $658.5M
- Assets vs Q2 2025
- +0.5%
- Tier 1 leverage ratio, Q2 2026
- 15.94%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 122235902
- Latest call report
- Q2 2026, FFIEC 051 · GBC International Bank call report
- Holding company
- GBC HOLDINGS, INC.
- Asset rank in state
- 71st of 113 in California
GBC International Bank pays more for its money than most banks of its size. The Los Angeles, California bank had $658 million in assets at June 30, 2026. It pays an average of 2.82% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). On the other hand, it funds 15.94% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Its $52 million commercial and industrial book is improving, with 1.35% past due or on nonaccrual, down from 9.14% a year earlier. Earnings jumped: net income for the quarter was $1.7 million, 44% above the same quarter a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.6 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, GBC International Bank reported a return on assets of 0.99%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 0.50%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, GBC International Bank is the 71st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.7% to $658.5M, loans fell 1.3% and deposits fell 3.5%. Non-owner-occupied commercial real estate loans made up 48.7% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 25.7%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities across 2 states; its Monterey Park office books 26% of its branch deposits. By the capital ratios in its Q2 2026 call report, GBC International Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 333 S Grand Ave, Los Angeles, CA 90071
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 15, 1976
- Former names
- Guaranty Bank of California (1984-2007)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 89
- Domestic deposits
- $504.6M
- Allowance for credit losses
- $5.1M
- Net charge-offs (YTD)
- $72K
- Average total assets
- $669.8M
- Average total loans
- $457.5M
- Average interest-bearing deposits
- $449.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 15, 1976
- FDIC Cert
- 22366
- Fed RSSD
- 972769
- Website
- http://www.gbcib.com →
- Parent Holding Company
- GBC HOLDINGS, INC. (RSSD 2017673)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, GBC International Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, GBC International Bank's total assets ranged from $607.4M (Q3 2023) to $681.1M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$658.5M total assets against $655.4M; $552.0M total liabilities against $555.5M.
$451.8M net loans and leases against $440.9M; $504.6M total deposits against $512.8M.
$99.9M securities against $85.7M; $88.9M cash and balances due against $110.3M.
$9.9M total interest income against $9.3M; $3.9M total interest expense against $4.5M.
$6.0M net interest income against $4.8M.
$647K total noninterest income against $437K; $4.3M total noninterest expense against $3.8M.
$0 provision for credit losses against -$200K.
$1.7M net income against $1.2M.
0.99% return on assets against 0.71%; 3.64% net interest margin against 3.01%.
15.94% tier 1 leverage ratio against 15.26%.
Inside the full GBC International Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
GBC International Bank rankings
Its closest position to the top of a national ranking is 1,429 of 4,196, for total assets; its furthest is 2,953 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.46% (Q3 2024) to 1.15% (Q1 2026) and its net interest margin ran from 2.73% (Q3 2024) to 3.77% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.94% | 0.99% | 0.26% | 0.50% | 3.64% |
| Q1 2026 | 15.42% | 1.15% | 0.21% | 0.06% | 3.77% |
| Q4 2025 | 15.07% | 1.07% | 0.68% | 2.09% | 3.42% |
| Q3 2025 | 15.55% | 1.04% | 0.59% | 1.37% | 3.36% |
| Q2 2025 | 15.26% | 0.71% | 1.55% | 2.39% | 3.01% |
| Q1 2025 | 14.78% | 0.51% | 1.50% | 1.87% | 2.83% |
| Q4 2024 | 14.68% | 0.76% | 1.56% | 1.11% | 2.98% |
| Q3 2024 | 14.80% | 0.46% | 1.16% | 0.47% | 2.73% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Monterey Park Branch | Monterey Park , CA | 91754 | $129.7M |
| GBC International Bank (main office) | Los Angeles , CA | 90071 | $92.6M |
| Westminster Branch | Westminster , CA | 92683 | $72.0M |
| San Jose Branch | San Jose , CA | 95131 | $68.0M |
| Sf Stockton Street Branch | San Francisco , CA | 94133 | $62.7M |
| Shoreline Bank Branch | Shoreline , WA | 98133 | $42.9M |
| City of Industry Branch | City Of Industry , CA | 91748 | $36.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 2, 2010 | Structure Change | Acquired Shoreline Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 1, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| May 14, 2005 | Structure Change | Acquired Sincere Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 13, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 17, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 15, 1994 | Structure Change | Acquired United American Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 110 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 39 loans, $48.0M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about GBC International Bank
What are GBC International Bank's total assets?
As of the Q2 2026 filing, GBC International Bank reported total assets of $658.5 million in its FFIEC call report.
Where is GBC International Bank headquartered?
It is headquartered in Los Angeles, CA, United States.
When was GBC International Bank founded?
It was established in 1976, per the FDIC institution directory.
Is GBC International Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22366). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates GBC International Bank?
GBC International Bank's primary federal regulator is the FDIC.
How many branches does GBC International Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is GBC International Bank's Texas Ratio?
Its Texas Ratio is 0.50% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was GBC International Bank previously called?
The charter now named GBC International Bank has also operated as Guaranty Bank of California (1984-2007), per FDIC structure-change records.
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