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Overview / Commentary
5670 Wilshire Boulevard, Suite 1780
Los Angeles, CA 90036

GBC International Bank is headquartered in Los Angeles and is the 87th largest bank in the state of California. It is also the 1,394th largest bank in the nation. It was established in 1976 and as of March of 2014, it had grown to 97 employees at 7 locations. GBC International Bank has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 GBC International Bank had $7.29 million in non-current loans and owned real-estate with $55.37 million in equity and loan loss allowances on hand to cover it. This gives GBC International Bank a Texas Ratio of 13.16% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for GBC International Bank decreased slightly from 16.90% as of March 31, 2013 to 13.16% as of March 31, 2014, resulting in a positive change of 22.14%.This indicates that the balance sheet and financial strength for GBC International Bank has improved slightly in recent periods.

Deposit Growth


In the past year, GBC International Bank has increased its total deposits by $23.97 million, resulting in 5.98% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth GBC International Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. GBC International Bank has $483.96 million in assets with $55.37 million in equity, resulting in a capitalization level of 11.44%, which is excellent.

Institution Statistics

FDIC Certificate #22366
Year Established1976
Primary RegulatorFDIC
Assets and Liabilities
Assets$483.96 million
Loans$355.39 million
Deposits$424.97 million
Equity Capital$50.12 million
Loan Loss Allowance$5.25 million
Unbacked Noncurrent Loans$2.88 million
Real Estate Owned$4.41 million
Historic Data - March 2013
Assets$456.65 million
Equity Capital$45.85 million
Loan Loss Allowance$5.69 million
Unbacked Noncurrent Loans$2.88 million
Real Estate Owned$529,000
Profit Margin - Quarterly
Net Interest Margin3.78%
Return on Assets0.83%
Return on Equity8.04%
Interest Income$4.89 million

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GBC International Bank Locations
Sincere Federal Savings Branch1355 Stockton StreetSan Francisco, CA 94133
Shoreline Bank Branch16001 Aurora Avenue NorthShoreline, WA 98133
Monterey Park Branch168 West Garvey AvenueMonterey Park, CA 91754
San Jose Branch1688 Hostetter Road, Unit A-BSan Jose, CA 95131
City Of Industry Branch18645 E Gale Ave. #130City Of Industry, CA 91748
Gbc International Bank5670 Wilshire Boulevard, Suite 1780Los Angeles, CA 90036
Westminster Branch9113 Bolsa AvenueWestminster, CA 92683