GBC International Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks GBC International Bank of Los Angeles, CA against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.99% | 1.25% | -0.26% | 32nd below |
| ROAE | 6.29% | 13.17% | -6.88% | 17th bottom |
| Net Interest Margin | 3.64% | 3.95% | -0.31% | 33rd below |
| Efficiency Ratio | 64.90% | 61.50% | +3.40% | 38th below |
| PPNR / Avg Assets | 1.39% | — | — | 37th below |
| Yield on Earning Assets | 6.00% | 5.67% | +0.33% | 68th above |
| Cost of Funds | 2.82% | 1.87% | +0.95% | 8th bottom |
| Net Interest Spread | 2.82% | — | — | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.44% | 0.93% | -0.49% | 48th below |
| NPA / Total Assets | 0.31% | — | — | 51st above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 78th top |
| ACL / Total Loans | 1.12% | — | — | 41st below |
| ACL / NPLs (Coverage) | 254.78% | — | — | 55th above |
| Texas Ratio | 0.50% | 6.06% | -5.56% | 76th top |
| Provision / NCO | 0.00% | — | — | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.94% | 11.75% | +4.19% | 90th top |
| Equity / Assets | 16.16% | 10.98% | +5.18% | 91st top |
| TCE / Tangible Assets | 15.98% | — | — | 92nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.55% | 80.44% | +10.11% | 27th below |
| Core Deposit Ratio | 66.40% | 86.95% | -20.55% | 3rd bottom |
| Wholesale Funding Ratio | 5.70% | — | — | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.46% | — | — | 21st bottom |
| Loan Growth (Y/Y) | 2.38% | — | — | 32nd below |
| Deposit Growth (Y/Y) | -1.59% | — | — | 15th bottom |
See GBC International Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock GBC International Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full GBC International Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the GBC International Bank peer analysis.