GBC International Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) dropped 2.56 percentage points in Q2 2026, from 258.87% to 256.32%. It was the largest change from Q1 2026 among the key lines here. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $456.9M |
| Net loans and leases | $451.8M |
| Loans held for sale | $0 |
| Loans to total assets | 69.39% |
| Loan-to-deposit ratio | 90.55% |
| Net loans to equity capital | 4.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 74.31% |
| Multifamily (5+ residential) | 12.49% |
| Commercial and industrial | 11.34% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 256.32% |
| Construction concentration (Tier 1 capital + allowance) | 5.71% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.98% |
| Interest income on loans | $8.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $471.9M | $423.9M | 77.75% | 11.28% | 0.00% |
| Q4 2023 | $473.6M | $446.5M | 78.22% | 11.02% | 0.00% |
| Q1 2024 | $460.4M | $464.8M | 79.91% | 9.42% | 0.00% |
| Q2 2024 | $472.0M | $482.8M | 79.80% | 9.88% | 0.00% |
| Q3 2024 | $448.3M | $514.1M | 80.85% | 8.80% | 0.00% |
| Q4 2024 | $460.6M | $534.6M | 79.50% | 10.51% | 0.00% |
| Q1 2025 | $453.2M | $522.3M | 77.74% | 11.73% | 0.00% |
| Q2 2025 | $446.3M | $512.8M | 78.98% | 10.63% | 0.00% |
| Q3 2025 | $456.0M | $524.6M | 76.47% | 11.96% | 0.00% |
| Q4 2025 | $460.8M | $528.0M | 75.25% | 13.15% | 0.00% |
| Q1 2026 | $462.9M | $522.8M | 72.99% | 13.39% | 0.00% |
| Q2 2026 | $456.9M | $504.6M | 74.31% | 11.34% | 0.00% |
GBC International Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock GBC International Bank, freeSource: Call Report Schedule RC-C, 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)