GBC International Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Total interest expense fell 3.4% in Q2 2026 to $3.9M, the biggest move on this page. GBC International Bank ranks 69th of 114 California banks on net interest margin, in the lower half at 3.64% (Q2 2026). GBC International Bank reported 3.64% on net interest margin for Q2 2026, 0.30 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.00% |
| Yield on loans | 6.98% |
| Yield on securities | 3.95% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.82% |
| Cost of interest-bearing deposits | 3.13% |
| Cost of interest-bearing liabilities | 3.18% |
| Cost of borrowings | 3.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.64% |
| Yield to cost spread | 2.82% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.0M |
| Total interest expense | $3.9M |
| Interest expense on deposits | $3.5M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.60% | 2.60% | 3.40% | 6.27% | 1.79% |
| Q4 2023 | 5.76% | 2.98% | 3.21% | 6.38% | 1.73% |
| Q1 2024 | 5.63% | 3.23% | 2.86% | 6.30% | 2.11% |
| Q2 2024 | 5.89% | 3.38% | 3.03% | 6.35% | 2.81% |
| Q3 2024 | 5.75% | 3.55% | 2.73% | 6.44% | 3.16% |
| Q4 2024 | 5.95% | 3.49% | 2.98% | 6.66% | 2.85% |
| Q1 2025 | 5.64% | 3.31% | 2.83% | 6.42% | 3.31% |
| Q2 2025 | 5.78% | 3.26% | 3.01% | 6.41% | 3.59% |
| Q3 2025 | 6.08% | 3.23% | 3.36% | 6.94% | 3.86% |
| Q4 2025 | 6.01% | 3.04% | 3.42% | 6.85% | 3.78% |
| Q1 2026 | 6.17% | 2.84% | 3.77% | 7.16% | 3.80% |
| Q2 2026 | 6.00% | 2.82% | 3.64% | 6.98% | 3.95% |
GBC International Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock GBC International Bank, freeSource: Call Report Schedules RI and RC-K, 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)