GBC International Bank


333 S Grand Avenue, Suite 3500
Los Angeles, CA 90071
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.85% →
1-Year CD 0.25% 0.75% →
2-Year CD 0.40% 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

GBC International Bank is an FDIC insured institution located in Los Angeles, CA. It was founded in 1976 and has approximately $0.7 billion in assets. Customers can open an account at one of its 9 branches.

FDIC Insured Yes
FDIC Certificate # 22366
Date Established 1976
Assets $ 697.45 million
Loans $ 560.75 million
Deposits $ 589.52 million
Capital $ 75.66 million

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.

Deposit Rates - October 24, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
12 Mo CD
0.25% $10,000 $14,999 Learn More
12 Mo CD
0.25% $100,000 $199,999 Learn More
18 Mo CD
0.35% $10,000 $14,999 Learn More
18 Mo CD
0.35% $100,000 $199,999 Learn More
24 Mo CD
0.40% $10,000 $14,999 Learn More
24 Mo CD
0.40% $100,000 $199,999 Learn More
36 Mo CD
0.45% $10,000 $14,999 Learn More
36 Mo CD
0.45% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 24, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
First Internet Bank
NMLS ID: 424182
2.946% 2.875%
0.88 points
$2,280 fees
$1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to GBC International Bank
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Climate Initiatives

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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 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
1.5% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 June 30, 2021, GBC International Bank had $1,225,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $75,659,000 in equity and $5,910,000 in loans loss reserves. That gives it a Texas Ratio of 1.5%.

Return on Equity
GBC International Bank U.S. Bank Average
10.69% 11.29%

GBC International Bank has a Return on Equity of 10.69% versus the BestCashCow average of 11.29%. 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.

GBC International Bank U.S. Bank Average
10.85% 11.72%

GBC International Bank has a Capitalization of 10.85% versus the BestCashCow average of 11.72. 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 June 30, 2021, GBC International Bank had assets of $697,450,000, loans of $560,754,000, and deposits of $589,522,000. 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

June 30, 2021
Cash & Balances due from depository institutions $ 119.87 million
Interest-bearing balances $ 117.59 million
Total securities $ 3.84 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 560.75 million
Loan loss allowance $ 5.91 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 2.25 million
All other assets $ 8.25 million
     Total Assets $ 621.79 million
Total deposits $ 589.52 million
      Interest-bearing deposits $ 502.51 million
      Deposits held in domestic offices $ 589.52 million
      % insured (estimated) 70.72%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 27.19 million
Subordinated debt $ 0.50 million
All other liabilities $ 4.58 million
      Total Liabilities $ 621.79 million
      Shareholders’ Equity $ 75.66 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 13.32 million
Total Interest Expense $ 2.17 million
Net interest income $ 11.16 million
Provision for loan and lease losses N.A.
Total non interest income $ 1.79 million
Total non interest expense $ 7.37 million
Pre-tax Net Operating Income $ 5.58 million

Bank Loan Profile?

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

Compared to other banks in California, GBC International Bank has a significantly higher percent of Small Business Loans, 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.63
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 20.90
Construction and Development Loans 0.65
Commercial Real Estate 64.58
Commercial and Industrial Loans 27.19
Farm Loans 0.00

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?


Where are Gbc International Bank locations?

See branch locations nearby.

Is Gbc International Bank open on Saturdays?

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Are Gbc International Bank ATMs Open 24/7?

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

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Do Gbc International Bank checks expire?

Does Gbc International Bank require US citizenship to open account?

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Does Gbc International Bank Report to credit bureaus?

Does Gbc International Bank Use Equifax?

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What is Gbc International Bank's SWIFT code?


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?

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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

  • 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 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 to call local and ask for a call back.

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