# GBC INTERNATIONAL BANK
LOS ANGELES, CA · FDIC certificate 22366 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $658.5M | |
| Deposits | $504.6M | |
| Loans and leases | $456.9M | |
| Total equity | $106.4M | |
| Loans / deposits | 89.53% (p70 of band) | 82.04% |
| Liquid assets / assets | 28.68% (p60 of band) | |
| Uninsured deposits / deposits | 32.15% (p73 of band) | 25.97% |
| Brokered deposits | 4.33% | |
| Wholesale funding | 9.95% (p77 of band) | |
| FHLB advances / assets | 5.62% | |
| Tier 1 leverage | 15.94% (p92 of band) | 10.81% |
| Unrealized securities loss / equity | -2.09% (p79 of band) | -8.10% |
| AOCI / equity | -0.65% (p35 of band) | |
| ROA (annualized) | 1.08% (p37 of band) | 1.28% |
| Net interest margin | 3.78% (p42 of band) | 3.91% |
| Efficiency ratio | 62.23% (p53 of band) | |
| Noncurrent loans | 0.26% (p38 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p66 of band) | |
| Reserve coverage of noncurrent | 434.72% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 5.99% (p10 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.6% | |
| Employees | 89 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent, capital falling |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | deposits shrinking |  |
| 2013-09 | 0 |  | reserve under noncurrent, deposits shrinking |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | uninsured deposits leaving |  |
| 2015-12 | 4 | loans exceed deposits, noncurrent p90, charge-offs p90, reserve under noncurrent | uninsured deposits leaving |
| 2016-03 | 3 | uninsured deposits leaving | loans exceed deposits, charge-offs p90 |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 | loans exceed deposits | uninsured deposits leaving |
| 2016-12 | 0 |  | noncurrent p90, reserve under noncurrent, loans exceed deposits |
| 2017-03 | 2 | loans exceed deposits, deposits shrinking |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | deposits shrinking |
| 2018-06 | 3 | capital falling, expense ratio p90 |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 1 |  | capital falling, expense ratio p90 |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | loans exceed deposits |
| 2020-06 | 2 | loans exceed deposits |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 0 |  | capital falling, loans exceed deposits |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | deposits shrinking, assets shrinking |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | loans exceed deposits, uninsured deposits leaving |  |
| 2023-06 | 4 | wholesale funding >15% | assets shrinking |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 1 |  | deposits shrinking, loans exceed deposits, uninsured deposits leaving |
| 2024-06 | 0 |  | wholesale funding >15% |
| 2024-09 | 0 |  |  |
| 2024-12 | 2 | capital falling, reserve under noncurrent |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | reserve under noncurrent |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-15 [WesternU College of Dental Medicine honors GBC International Bank Foundation for supporting scholarships - WesternU News](https://news.google.com/rss/articles/CBMiywFBVV95cUxNZ3EtNUEzT1VDZnJ0c0ZOcnlScHpPbW5vN09lR1RSd1lJcWtDTW5XX1F1c00xQUFuZ2pYSTFOOENvVGVmamt6aEdITC1GX1BVelduZzgxRTV2OEFwZEZrUjRYS2dkUDJVUHVQZTJ5RFVUdmxwTnFyR0UyR0ctV3d0QVVtRi1PUHJ3UTk2Y25NSnRUVTB3T2JSTzItODJnc0hWZk5yZVNIaF9IUHhTcE01X0RPY1Y5RC1LbUhKTEJqVy11Qno5MDVLZFEzMA?oc=5) · WesternU News
- 2021-02-22 [GBC International Bank (CA) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOLWNudkdjQnl3c21wTzJncmNsUlNKX2h1MjVSa3IwNHd2T01IOW9SLXMwWkw3VlVkZEEtUmotV290QjBTMkRSWUY2M0dDOVVOaE51bnFEVkNVeXRwMXJmcUlnOEJ4cUg5cnlUcFY2cFJPbHlHaGdGbmkxNUtwMmUxNlpNSGpxYnpvTlIw?oc=5) · SmartAsset
- 2021-01-24 [The 2021 Money Issue SBA Lenders Directory - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQQTItaTFhM3FKTHJyVzBQUFZnc3N5NWFweGVBWXl1endvWUJtVm43WUJwemNicnczbWx0eE5DVHpYdnRVS05tYnJHX3ZiRHZ1NS1PNE56WDFhN25YMVM1VEVGckNXWEJWeUhEaHA3UW9fS1N0Mm5UMWYzNzBrUW1KY0lpQ25qdEhT?oc=5) · Los Angeles Business Journal
- 2025-12-25 [Washington - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxPOHdtODhCYTFpVGNBalVIN05VcWIyd0JwM29HdHlEVDBjVXZuTXMwRTA1SXJGZUo3N3R4Y1dKUUNPenhPRHdMZzhTQjZBYmtpdGlLcnZET3ZWaDNEUmZMek9ublRCOWIzZlI0WUZxbzd4bDcxMmhWSnpTLUZoS1N4RXBDYm4tNEVpWG0xUDZsSlhJUQ?oc=5) · Newsweek Rankings
- 2021-12-02 [EDUCATIONAL CENTER TARGETS GAMING INDUSTRY AS THE NEXT FRONTIER FOR MINORITY ENTREPRENEURS - Los Angeles Sentinel](https://news.google.com/rss/articles/CBMiugFBVV95cUxNSmExOGxyVC1rVjZCLVVOd3M3S1UzTGw0cl9NS1RJZzNURVQyMjMxb1dqM043aWFlQzNsRGtkVzBPM3ByZ1hSYXJUN09temJsaXRDSXhVZDRla2FSMU1QMVV3ZjdpVWJSb2ZwSi1jTEtUTVIwOEZEMGJ4bEhwOHdJOHVpYXRxLWFDY2h1VE44M3NZTmVYeUl6WUpBeVZhN0RRLUdTY21fUl81RkNPQ2d0Ymp0dFU5MmtTUVE?oc=5) · Los Angeles Sentinel
- 2020-12-22 [How Manny Esparza went from professional boxer to ceviche caterer - The Downey Patriot](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQcVU3YVdRQTM5MkVtT1lBZHhyQkstNGxMNHZHbGV4V1daWWVsOGJCN0pCcklrRk1rX3Q5M3YxejBEM3BneGpqSGxYUV9tcjFPRUZsLTdCMzJfVHRLX2piYXJ4djQyVkFUSS1jLUJFN0RpcDF4aTZPV1pKUHdGcGpETV9OQXBvcjNWVEF2dWczeEFFRTREbjRzVmtHVWU1RE5kTl81cHNrZGZLa00?oc=5) · The Downey Patriot
- 2026-07-01 [Summer of Soul 2026 Brings Sheila E. & Jeffrey Osborne to Cerritos Performing Arts Center - natlawreview.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxPQlFmVmlkMTZ5T3ZUQ0p6UG5qZ1hiNWdkejVQMzhVMFBsME5aenpuRVBnTEtLMmNfaVh0elA0TnhOUUc0cVVWdG1CTzI3NmVzc2R3TXhvRDh0SC1nYXBTdG8zdC1DeHlDQk5JNnRLek9vRGpfang2ZWpnZmloMXMxUjVmN2VLQlFVX2JHeXo2N3dkYjZ3OG1RX2kwYTRwWWRuRVU3blVHODE2ejdObzdrRGZ2WQ?oc=5) · natlawreview.com
- 2020-12-03 [Here are the 24 L.A. County businesses that maxed out the PPP loan program - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxNWm5Id29VcHNRRUtSVXZRSEVoMkd5ejk3eHhmQXRXRDY0bDRNVExqbGNwRjhqd0xCWGNDWnIxUnB2YmRQZmtGTGFzUDRkLVM3OGNsMmpBbW45ejVRaGV4R2hOTnM2ZzQtS2dIX2FQbE1Ob3ZBVFBrQ1BQZjhaTmJXVG1qaUhTMFFqTnpMc1VaQ1ItUGxNZzJj?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22366 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/30.json (key "22366", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide