# GLOBAL TRUST BANK
MOUNTAIN VIEW, CA · FDIC certificate 58808 · asset band <$300M · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $86.7M | |
| Deposits | $70.8M | |
| Loans and leases | $57.6M | |
| Total equity | $15.6M | |
| Loans / deposits | 80.01% (p69 of band) | 71.39% |
| Liquid assets / assets | 33.15% (p50 of band) | |
| Uninsured deposits / deposits | 18.07% (p87 of band) | 8.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 18.46% (p94 of band) | 9.99% |
| Unrealized securities loss / equity | 0.00% (p9 of band) | 3.72% |
| AOCI / equity | 0.00% (p16 of band) | |
| ROA (annualized) | -0.91% (p8 of band) | 0.72% |
| Net interest margin | 3.75% (p43 of band) | 3.86% |
| Efficiency ratio | 117.77% (p95 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.48% |
| Net charge-offs (annualized) | 0.00% (p17 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 61% | |
| Construction % of loans | 24.39% (p58 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 13 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |

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

- 2004-09-01 [Emerging Markets : Mixed Fortunes In Bank Sector - Global Finance Magazine](https://news.google.com/rss/articles/CBMilgFBVV95cUxQVmQzY3hTaWFRLXAzdnJuVG9TQktoamhPMGR4MEhvYnJRbUdIeUM5alJlYVNaUmMyVk02dnlKVF94OWRNcUQ5Zi1HMmhOTC1RWVk5YzNsRHFzanJkeWNUbU5xMHpxUEpxZndOUTAydzZhbUYyY2ljcHh1WjNVUWtJSEFVNzg4RkU4MG5ycFAtaXM3WUJVZXc?oc=5) · Global Finance Magazine
- 2013-03-29 [Executive Profile: George Guarini - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQX3hFYzc3ME5WRE1MWkJkU0puUjRBVzNCV0ctekJ0X1cyNjRsR3A4Z3UxZ0ROUnh6ckxWTzNpbHJEcVZJN1BRLVdlQ3prQlh1R24xYi1SMlo2S0hnN1pJdVF0REIwZlJRX1FncV8wLXFIR0JPSnQtWlRBVXRMNnNxMFdpUS1oaUdnOTY1czFuSHVyekdhWWxWVTFYWW1pY2Z0Ml9JR1B3?oc=5) · The Business Journals
- 2022-08-02 [Ketan Parekh: The Rs 40,000 Crore Scam That Sank the Market - marketfeed](https://news.google.com/rss/articles/CBMickFVX3lxTE9ZSXk4bkYyRUgtb2liWl9GMWhLd1Jma2U0OUZqX1J6aGptaXRHQ3lNREFiU2IzaUw5cXl4WjBaYkdJMFl1RE14SmlUcm83LWYyd3djSXJDSWlfRUYwSlJpNl93UGZGeEpzbTFIV0F6cjJwZw?oc=5) · marketfeed
- 2009-03-02 [People on the move: - The Mercury News](https://news.google.com/rss/articles/CBMib0FVX3lxTE1yMUlzSTVwYmNBN1VCRXgyc0hRSURldHlTMEJaSEJyWllEN3dMOE9ONVB2aE9MQXlHekRQYjFnVGlFQjNGMnhzSi1OeXB2QVpqRHFkWkJ4bjlMb0xuRkNrX2o4R0N6WGdiUnU0NTdONNIBdEFVX3lxTE1zYk5zXy1iUWFBSjRyTTgydlZCRWl3TzBjWVZzV0pfekxOckhLa1p4QlMwRzdTSmxCcEtEMnBsTGRmSUw1U296WUZyN0Z3SFJhaVdCaE9KNFlfZlFEX1c2aXV1Vk1JTG1WRWxqazJkbDh5RXM2?oc=5) · The Mercury News
- 2009-02-10 [ICAI finds 2 Lovelock & Lewes members guilty in Global Trust case - economictimes.com](https://news.google.com/rss/articles/CBMi6AFBVV95cUxOa2R5cDRSQXFYeFRsMTctTjlra01BczAzWXVZb0wwcXNIXzI2T09hSFlPWmdOamJFRXhSeURTQ1BHT3pFQW5CaENvYnJTZjQ2WDgteXVLbk5obFhVczRLdmZ1TnBVaHA5RmVPMkkxckIyOE5CNTRvXzBOWnNFZndobEpKVGFjQmhRRlI5NkVVTjdMQV9lcDk3ZVBpVm0xR1J2LXA0TDcxSl83Umo4SDJ6bmVIb0R1RVF5OHhjaXJ4TFJlUmZKcTMwMnNLNkp4ZE9hSXNFc0p4ZHNLaXN3cUxTcFJnTDBTdTVz?oc=5) · economictimes.com
- 2017-07-04 [Anti-Graft Forum Questions Centres Appointment of Firm Accused of Scams for Black Money Probes - The Wire India](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPbTJDMVRQaE1JejllSmtpY244eGtmWERqM1ViT1YzTXRobzdzc1Z2WEMwMmdWenhTZUprRHEzTDQ1SGt2ZG1CaFVEeVVfTERzNjdabFJtQmNpRjI1R3NDUGhYOHZTWjNKRzE5NHp6bmJ0RWNQZmNXUWdfSjJqSTZMMmE1ZHF3cXRuQzc4Y25jSmtSNWIwOHFiWmpScjJhajB1enBtdGI1T3BhVElPRXRQaVNCSDhCa1JC0gG-AUFVX3lxTE90U1Y5UmZBMmJGbTBMMktDdnVGZXU3czRHR05CLW83OHFNc3dWMkhjUV8wUDRHRkRic29pZUFmSWIybEZ5X21yWl9OXzZQMzhUck1JbTVJVFluS0R4X181c1ZzcS1TNXY0QWdremNGWWJxV01vOGVqd2x4d0xEVnl2QUs1bENhenMxOXRIR3VXWGFsNVU0RUZ0WkcyWVp0MHdNRmNPSmM4eTFfREx1eU5DZHpJMmplSnZ3Vl9IY3c?oc=5) · The Wire India
- 2004-08-02 [Chitale & Co to do GTB due diligence - Rediff](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBoZ19lbnBEOGF1REhTdTBlMlZSNkdEN3gxUFVHNHhRTm56ZC1wd3lHajdOQ3lRVWtnazRZc0FOc2dhbkp0S3BxbFdiaWtsVkdlX0xXSDZnZFJrdGxma0J5WkRONkJ2ZzDSAWpBVV95cUxPMWZrU2U2NHhxQzFLazhOVzhTUU1aUTVJeDdIVHB1RHJCVXV2dVpIVFJhVW8xYXl4MjZ5SVI3Vm1ZOG5VeHpoMHlGTDd2bGlxa192YjVtSmNwYUYtZTdkYXVXQ21DdmVnQTBn?oc=5) · Rediff
- 2020-06-14 [Mega Merger of PSU Banks in India: An Insight - CAclubindia](https://news.google.com/rss/articles/CBMilgFBVV95cUxOT2pUNnd1U3dYZkFxdHdtVVE3cnU2cTI4WjJwdl9nQk92RmNNMnZ1RmNJMm9fNGk2UERycHUxNkpnVHo3dkNOV3ZGeVhZM1l4Y3V4VG9FMVVyaldtNzc3YnQzcmlEODkwRnB1YUM1YmhLOF9kZjVjalA1akt3ZldnXzRIX2RwMVlqNUhydVplbmRTc0kzN3c?oc=5) · CAclubindia

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58808 (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/56.json (key "58808", 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