Gibsland Bank & Trust Company
Total assets
$574.3M
▲ +9.1% YoY
Deposits
$459.0M
▲ +4.0% YoY
Loans
$424.5M
▲ +15.3% YoY
Offices
13
GIBSLAND BANCSHARES INC
ROA (annualized)
1.32%
peers 1.28%
ROE (annualized)
8.49%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +4.9% | +4.2 pts |
| Deposit growth (YoY) | +4.0% | +4.3% | -0.4 pts |
| Loan growth (YoY) | +15.3% | +5.3% | +10.0 pts |
| ROA | 1.32% | 1.28% | +0.0 pts |
| ROE | 8.5% | 12.4% | -3.9 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
Profile
- Established
- 1948
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- GIBSLAND BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 1246 S 3rd St, Gibsland, LA, 71028
- County
- Bienville
- Offices
- 13
- FDIC cert #
- 16689
- RSSD ID
- 734350
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $574.3M | $459.0M | $424.5M | $93.0M | $3.8M | 1.32% | 4.73% | 2.20% |
| Q1 2026 | $575.1M | $461.3M | $407.5M | $91.2M | $2.3M | 1.59% | 4.79% | 2.46% |
| Q4 2025 | $586.1M | $477.7M | $403.2M | $86.6M | $6.0M | 1.10% | 4.64% | 2.70% |
| Q3 2025 | $528.1M | $440.2M | $372.1M | $85.4M | $5.0M | 1.25% | 4.66% | 2.86% |
| Q2 2025 | $526.4M | $441.5M | $368.0M | $82.5M | $3.1M | 1.18% | 4.56% | 2.97% |
| Q1 2025 | $527.1M | $443.8M | $353.9M | $81.0M | $1.5M | 1.15% | 4.44% | 2.92% |
| Q4 2024 | $546.9M | $470.7M | $353.4M | $74.5M | $5.8M | 1.11% | 4.24% | 2.85% |
| Q3 2024 | $507.5M | $430.6M | $347.1M | $74.6M | $4.4M | 1.15% | 4.23% | 3.17% |
Loan mix (Q2 2026): real estate $374.1M · commercial $32.8M · consumer $14.1M · securities $69.6M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 1.28% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 12.4% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.73% | 3.89% | 89th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.3% | 61.2% | 67th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Community Bank of LouisianaMansfield, LA · $852.9M
- Century Next BankRuston, LA · $916.4M
- Resource BankCovington, LA · $980.7M
- First National Banker's BankBaton Rouge, LA · $983.0M
- Minster BankMinster, OH · $811.6M
- CUSB BankCresco, IA · $812.1M
Selling to Gibsland Bank & Trust Company?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.