BlastPoint's Banking Scorecard
GBC International Bank
Community
Specialty: Commercial
CA
FDIC cert 22366
Los Angeles, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
GBC International Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 23% in Community
- - Flatlined Growth: Bottom 38% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$681.1M
+1.5% YoY
+1.5% QoQ
|
-$710.4M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$455.6M
+0.1% YoY
+1.0% QoQ
|
-$519.9M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$528.0M
-1.2% YoY
+0.7% QoQ
|
-$636.6M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
0.83%
+29.0% YoY
+11.5% QoQ
|
-0.33% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
3.19%
+8.0% YoY
+3.5% QoQ
|
-0.48% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
68.10%
-8.3% YoY
-3.7% QoQ
|
+5.47% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
0.69%
-56.2% YoY
+15.6% QoQ
|
+0.06% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
86.28%
+1.3% YoY
+0.4% QoQ
|
+3.22% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
12.70%
-0.2% YoY
-5.3% QoQ
|
-8.34% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.46%
-56.9% YoY
+15.1% QoQ
|
-0.04% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
41% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.31%
-6.2% YoY
+42.4% QoQ
|
-0.43% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Capital Thin
risk
#100 of 432 · Bottom 23% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#93 of 245 · Bottom 38% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.83%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
54
54th pctile
Loan-to-Deposit Ratio
Current: 86.28% · Tier avg: 83.06%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.50%
36
36th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.63%
31
31th pctile
Efficiency Ratio
Current: 68.10% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.16%
25
25th pctile
Total Assets
Current: $681.1M · Tier avg: $1.4B
24
24th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.66%
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
23
23th pctile
Total Loans
Current: $455.6M · Tier avg: $975.5M
17
17th pctile
Total Deposits
Current: $528.0M · Tier avg: $1.2B
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.70% · Tier avg: 21.05%
Top Weaknesses
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.70% · Tier avg: 21.05%
17
17th pctile
Total Deposits
Current: $528.0M · Tier avg: $1.2B
23
23th pctile
Total Loans
Current: $455.6M · Tier avg: $975.5M
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
24
24th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.66%
25
25th pctile
Total Assets
Current: $681.1M · Tier avg: $1.4B
27
27th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Efficiency Ratio
Current: 68.10% · Tier avg: 62.63%
36
36th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.63%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.50%
54
54th pctile
Loan-to-Deposit Ratio
Current: 86.28% · Tier avg: 83.06%