GBC International Bank

5670 Wilshire Boulevard, Suite 1780
Los Angeles, CA 90036

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 22366
Date Established 1976
Assets $0.54 billion
Loans $0.44 billion
Deposits $0.41 billion
Capital $0.06 billion

GBC International Bank is an FDIC insured institution located in Los Angeles, CA. It was founded in 1976 and has approximately $0.54 billion in assets. Customers can open an account at one of its 9 branches.

For a more detailed analysis of GBC International Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in GBC International Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and Commercial and Industrial Loans.

Compared to other banks in California, GBC International Bank has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 1.11
Multifamily
Mortgages
12.53
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 18.89
Construction and Development Loans 0.00
Commercial Real Estate 69.37
Commercial and Industrial Loans 18.25
Farm Loans 0.00

Deposit Rates - April 21, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $2,500 $24,999 Learn MoreShow Less
Money Market
0.15% $25,000 $49,999 Learn MoreShow Less
Premium Money Market Account
1.50% $10,000 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.25% $1,000 - Learn MoreShow Less
6 Mo CD
0.35% $1,000 - Learn MoreShow Less
12 Mo CD
0.40% $1,000 - Learn MoreShow Less
Special: 12 Mo CD
2.40% $10,000 - Learn MoreShow Less
18 Mo CD
1.26% $1,000 - Learn MoreShow Less
Special: 18 Mo CD
2.55% $10,000 - Learn MoreShow Less
24 Mo CD
1.31% $1,000 - Learn MoreShow Less
Special: 24 Mo CD
2.71% $10,000 - Learn MoreShow Less
36 Mo CD
1.51% $1,000 - Learn MoreShow Less
Special: 36 Mo CD
2.88% $10,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.40% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.20% $100 - Learn MoreShow Less

Loan Rates - April 21, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for GBC International Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: MC-1875
4.030% 4.000% 0.38 $892 $1,194 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to GBC International Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

GBC International Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


GBC International Bank Locations


Financial Details

GBC International Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of GBC International Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
GBC International Bank U.S. Bank Average
0.66% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, GBC International Bank had $419,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $59,362,000 in equity and $4,322,000 in loans loss reserves. That gives it a Texas Ratio of 0.66%.

Return on Equity
GBC International Bank U.S. Bank Average
5.24% 8.80%

GBC International Bank has a Return on Equity of 5.24% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
GBC International Bank U.S. Bank Average
11.07% 12.29%

GBC International Bank has a Capitalization of 11.07% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

GBC International Bank Balance Sheet Analysis

As of December 31, 2018, GBC International Bank had assets of $536,379,000, loans of $438,244,000, and deposits of $411,648,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.03 billion
Total securities $0.06 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.44 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.48 billion
LIABILITIES
Total deposits $0.41 billion
      Interest-bearing deposits $0.36 billion
      Deposits held in domestic offices $0.41 billion
      % insured (estimated) 78.74%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.06 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.48 billion
      Shareholders’ Equity $0.06 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.02 billion
Total Interest Expense $0.01 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Gbc International Bank

Branches and Savings

Is Gbc International Bank FDIC insured?

Yes. It is covered under FDIC Certificate #22366.

Why does Gbc International Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Gbc International Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Gbc International Bank a commercial bank?

Yes

Where are Gbc International Bank locations?

See branch locations nearby.

Is Gbc International Bank open on Saturdays?

Is Gbc International Bank open on Sundays?

What time does Gbc International Bank open?

What time does Gbc International Bank close?

Are Gbc International Bank ATMs Open 24/7?

Do Gbc International Bank ATMs accept cash deposits?

Can Gbc International Bank customers use other ATMs?

Do Gbc International Bank branches have notaries?

Will Gbc International Bank notarize my document?

What address for Gbc International Bank should I put for incoming ACH transfers?

Will the Gbc International Bank branch print checks?

Do Gbc International Bank checks expire?

Does Gbc International Bank require US citizenship to open account?

Can Gbc International Bank close my account?

Does Gbc International Bank Report to credit bureaus?

Does Gbc International Bank Use Equifax?

What is Gbc International Bank's ACH Routing Number?

What is Gbc International Bank's SWIFT code?

Products

Does Gbc International Bank offer mortgages?

Compare mortgage rates here.

Does Gbc International Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Gbc International Bank offer personal loans?

Compare personal loan rates here.

Does Gbc International Bank offer student loans?

Will Gbc International Bank cash a check?

Will Gbc International Bank redeem a savings bond?

Does Gbc International Bank cash savings bonds?

Will Gbc International Bank cash money orders?

Can Gbc International Bank issue a money order?

Does Gbc International Bank do currency exchange?

Background on The Bank

Who owns Gbc International Bank?

How long has Gbc International Bank been around?

Can Gbc International Bank transfer to other banks?

Does Gbc International Bank have quick pay?

Does Gbc International Bank accept rolled coins?

Will Gbc International Bank accept loose change?

Where is Gbc International Bank headquarters?

Customer Reviews for GBC International Bank


  • tomlynn

    April 15, 2019 |

    CDs 12 Month Rates

    Very friendly and helpful here. We had closed an account last year, and were not asked what we planned to do with the money or if we found a better rate elsewhere. Just thanks for banking with us...so we came back and opened a few new accounts this year. Jamie at Shorline branch especially helpful service, all are helpful there, and know what gbc offers. Only the 800 number is not so good, they pass the buck and don't use names....best to call local and ask for a call back.

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