GBC International Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 11.19 percentage points higher than in Q1 2026, at 125.67%. Within California, GBC International Bank is 60th of 114 on loan-to-deposit ratio, 90.55% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. GBC International Bank sits 9.99 points higher, at 90.55% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $88.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $188.8M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $37.0M |
| Subordinated notes and debentures | $500K |
| Other borrowed money to assets | 5.62% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.55% |
| Net loans and leases to deposits | 89.53% |
| Loans and leases to core deposits | 125.67% |
| Core deposits to total deposits | 66.40% |
| Brokered deposits to total deposits | 5.66% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 111.32% | 78.34% | $0 | $83.0M |
| Q4 2023 | 106.06% | 77.05% | $0 | $88.0M |
| Q1 2024 | 99.07% | 74.70% | $0 | $73.0M |
| Q2 2024 | 97.76% | 70.21% | $0 | $41.0M |
| Q3 2024 | 87.21% | 66.77% | $0 | $41.0M |
| Q4 2024 | 86.15% | 63.91% | $0 | $29.0M |
| Q1 2025 | 86.78% | 61.01% | $0 | $24.0M |
| Q2 2025 | 87.04% | 61.47% | $0 | $31.0M |
| Q3 2025 | 86.94% | 63.53% | $0 | $34.0M |
| Q4 2025 | 87.26% | 70.83% | $0 | $39.0M |
| Q1 2026 | 88.54% | 70.45% | $0 | $37.0M |
| Q2 2026 | 90.55% | 66.40% | $0 | $37.0M |
GBC International Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock GBC International Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full GBC International Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22366) · FFIEC NIC profile (RSSD 972769)