Total Assets
$681M
Total balance-sheet footings
FDIC Cert #22366 · Los Angeles, California · Est. 1976
GBC International Bank - FDIC Bank Health Profile
A community-scale look at GBC International Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $681M
- Total assets
- A
- Health grade · Excellent
- 0.83%
- Return on assets
- 15.1%
- Tier 1 capital
Data updated July 2026
The verdict
GBC International Bank earns a PlainBankData health grade of A (82/100), with well-capitalized at 15.07% Tier 1, 0.83% ROA, 68% efficiency ratio.
- #1,406
- largest of 4,313 FDIC banks by assets
- 67th
- percentile by asset size, nationally
- 15.07%
- Tier 1 ratio - above the 10% well-capitalized line
- 31st
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How GBC International Bank's 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
GBC International Bank's composite health score
Tier 1 Capital Ratio (15.07%) 40/40
Return on Assets (ROA) (0.83%) 14/25
Texas Ratio (2.89%) 20/20
Efficiency Ratio (68.10%) 8/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$528M
Customer-funded liabilities
Net Loans
$456M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where GBC International Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. GBC International Bank's score of 82/100 falls in the highlighted band.
GBC International Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). GBC International Bank's $681M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.07% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.07%
Texas Ratio
2.89%
Equity Capital
$103M
Profitability metrics
Return on Assets (ROA)
31st percentile nationally
0.83%
Return on Equity (ROE)
5.53%
Efficiency Ratio
68.10%
What the numbers say about GBC International Bank
GBC International Bank is an FDIC-insured institution (Certificate #22366) headquartered in Los Angeles, California, established in 1976. It holds $681M in total assets - 1,406th of 4,313 FDIC-insured banks, $528M in customer deposits, and $456M in net loans. On safety, its Tier 1 capital ratio of 15.07% is above the 10% well-capitalized threshold, and its Texas Ratio of 2.89% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (82/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within California, GBC International Bank ranks 79th of 121 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$38M
Interest Income
$2M
Non-Interest Income
$15M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. GBC International Bank reports a Texas Ratio of 2.89% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.89% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) GBC International Bank (FDIC Cert #22366) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is GBC International Bank's health grade?▼
GBC International Bank receives a health grade of A (82/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is GBC International Bank?▼
GBC International Bank holds $681M in total assets and $528M in deposits, ranking 1,406th of 4,313 FDIC-insured banks by asset size. It is headquartered in Los Angeles, California.
Is my money safe at GBC International Bank?▼
Yes, deposits at GBC International Bank (Certificate #22366) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is GBC International Bank's Tier 1 Capital Ratio?▼
GBC International Bank has a Tier 1 Capital Ratio of 15.07%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for GBC International Bank?▼
GBC International Bank has a Texas Ratio of 2.89%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is GBC International Bank?▼
GBC International Bank has an Efficiency Ratio of 68.10%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read GBC International Bank's profile as a depositor or analyst.
- GBC International Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare GBC International Bank against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.