TellerScore

GBC International Bank (FDIC certificate #22366) is based in Los Angeles, California. Its Q2 2026 call report shows $658.5M in total assets and $504.6M in deposits and 8 offices across 2 states.

GBC International Bank has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 84% of its 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 17th. Capital cushion contributes the most (100/100, 15.94%); funding & liquidity contributes the least (52/100, 90% loans-to-deposits, 32% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.94%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.26%
Earnings63/100
Return on assets (annualized): 1.08%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 89.5% · 32.1% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.06%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 15 points (68 → 83), mostly because the loan quality component improved by 43 points.

TellerScore
687684Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202472
Q4 202468
Q1 202568
Q2 202568
Q3 202578
Q4 202578
Q1 202684
Q2 202683
Tier 1 leverage ratio
5.00%10.47%15.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.14%
Q3 202414.80%
Q4 202414.68%
Q1 202514.78%
Q2 202515.26%
Q3 202515.55%
Q4 202515.07%
Q1 202615.42%
Q2 202615.94%
Noncurrent loans
0.21%0.88%1.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.49%
Q3 20241.16%
Q4 20241.56%
Q1 20251.50%
Q2 20251.55%
Q3 20250.59%
Q4 20250.68%
Q1 20260.21%
Q2 20260.26%
Return on assets
0.51%0.84%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.68%
Q3 20240.60%
Q4 20240.64%
Q1 20250.51%
Q2 20250.61%
Q3 20250.74%
Q4 20250.83%
Q1 20261.16%
Q2 20261.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$658.5M15.94%0.26%1.08%89.5%
Q1 202684$676.6M15.42%0.21%1.16%87.6%
Q4 202578$681.1M15.07%0.68%0.83%86.3%
Q3 202578$670.9M15.55%0.59%0.74%86.0%
Q2 202568$655.4M15.26%1.55%0.61%86.0%
Q1 202568$655.1M14.78%1.50%0.51%85.7%
Q4 202468$670.7M14.68%1.56%0.64%85.1%
Q3 202472$661.9M14.80%1.16%0.60%86.1%
Q2 202478$629.0M15.14%0.49%0.68%96.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.94%
90th
Total risk-based capital0.00%
24th
Problem loans0.26%
60th
Net charge-offs0.03%
34th
Return on assets1.08%
39th
Net interest margin3.78%
41st
Efficiency ratio62.2%
50th
Loans to deposits89.5%
27th
Uninsured deposits32.1%
23rd
Loan-loss reserves1.12%
41st
Texas ratio1.1%
68th

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Pacific Valley BankBank Salinas, CA70 out of 100, Strong$653.3M12.6%0.24%vs
Golden Valley BankBank Chico, CA72 out of 100, Strong$604.7M9.3%0.00%vs
Partners Bank of CaliforniaBank Mission Viejo, CA73 out of 100, Strong$602.2M11.7%0.00%vs
Redwood Capital BankBank Eureka, CA76 out of 100, Strong$566.0M11.0%0.13%vs
BAC Community BankBank Stockton, CA75 out of 100, Strong$761.9M11.4%0.18%vs
Mission Valley BankBank Sun Valley, CA54 out of 100, Below average$782.0M11.0%1.94%vs

Deposit insurance

Is my money safe at GBC International Bank?

Yes. GBC International Bank is an FDIC-insured institution (FDIC certificate #22366). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.1% of deposits ($162.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.94%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

GBC International Bank lists 7 offices in 7 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
GBC International Bank
Former names
Guaranty Bank of California; First Women's Bank of California
Type
State-chartered bank
FDIC certificate #
22366
RSSD ID
972769
Primary regulator
FDIC
Holding company
Gbc Holdings Inc
Established
November 15, 1976
Headquarters
333 S Grand Ave, Los Angeles, CA 90071
Employees
89

Quick answers

GBC International Bank: common questions

Is GBC International Bank FDIC insured?

Yes. GBC International Bank is an FDIC-insured institution (FDIC certificate #22366). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is GBC International Bank's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has GBC International Bank ever failed?

There is no failure record for FDIC certificate #22366 in the FDIC failed bank list.

How many branches does GBC International Bank have?

8 offices as of the latest FDIC data, in 2 states.

Nearby

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