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Gibsland Bank & Trust Company

$100M-$1B Specialty: Commercial LA FDIC cert 16689

Designations: ✓ CDFI-certified

Gibsland, LA

13 branches across LA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 73 in LA.
  • Deposits +4.0% year over year ($459.0M on the books).
  • Delinquency rate 0.62%.
  • Return on assets 1.32%.
  • Efficiency ratio 67.30% vs a 64.48% peer average.
  • Loan-to-deposit ratio 92.48% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 73 in LA
View $100M-$1B leaderboard (LA) →

Gibsland Bank & Trust Company has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.74% above tier average
  • + Delinquency Rate 0.30% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 36.2% in tier
  • - Nonperforming Asset Ratio 1.53% above tier average
  • - Efficiency Ratio 2.82% above tier average
Get updates when Gibsland Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $574.3M
+9.1% YoY -0.1% QoQ
+$187.7M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
79%
Total Loans ? $424.5M
+15.3% YoY +4.2% QoQ
+$166.1M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
82%
Total Deposits ? $459.0M
+4.0% YoY -0.5% QoQ
+$132.3M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
76%
Return on Assets ? 1.32%
+12.3% YoY -16.6% QoQ
+0.00% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
54%
Net Interest Margin ? 4.73%
+3.8% YoY -1.1% QoQ
+0.74% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
Top 13.4% in tier
Efficiency Ratio ? 67.30%
-4.9% YoY +10.0% QoQ
+2.82% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
36%
Delinquency Rate ? 0.62%
-52.5% YoY -33.3% QoQ
-0.30% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
41%
Loan-to-Deposit Ratio ? 92.48%
+11.0% YoY +4.7% QoQ
+14.53% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
21%
Non-Interest-Bearing Deposit Share ? 18.24%
-8.1% YoY -2.9% QoQ
-3.80% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
37%
Nonperforming Asset Ratio ? 2.20%
-26.0% YoY -10.8% QoQ
+1.53% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
Bottom 6.1% in tier
Tier 1 Capital Ratio ? 16.50%
+1.2% YoY +1.6% QoQ
+0.59% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
75%
Non-Interest Income / Assets ? 0.34%
-7.7% YoY +98.1% QoQ
-0.23% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
78%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Noninterest-Bearing 18.2%
-1.6pp YoY
-0.5pp QoQ
 -3.9pp 22.1% 24.6% 22.2% 37%
Brokered Deposits 0.2%
0.0pp QoQ
 -7.7pp 7.9% 6.7% 8.5% 7%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 7.7%
0.0pp YoY
-1.2pp QoQ
 -3.8pp 11.6% 12.6% 12.5% 38%
CRE 57.4%
+1.8pp YoY
+1.4pp QoQ
 +17.9pp 39.5% 44.9% 41.4% 81%
1-4 Family 22.5%
-0.1pp YoY
0.0pp QoQ
 -10.1pp 32.6% 34.2% 31.3% 35%
Consumer 3.3%
-0.7pp YoY
-0.1pp QoQ
 -0.8pp 4.1% 4.2% 5.0% 64%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.5% 19.7% n/a
Leverage Ratio 16.5%
+0.2pp YoY
+0.3pp QoQ
 +4.3pp 12.2% 13.4% 12.6% 92%
Total Capital Ratio n/a n/a 19.9% 23.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 99
-7 (-6.6%) YoY
-4 (-3.9%) QoQ
 +40 58 114 482 86%
Assets per Employee ($) $5.8M
+16.8% YoY
+3.9% QoQ
 -$1.7M $7.5M $6.8M $8.8M 29%
Branch Count 13
-1 (-7.1%) YoY
0 QoQ
 +8 4 9 18 96%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 14%
Nonaccrual 0.6%
-0.5pp YoY
-0.3pp QoQ
 -0.3pp 0.9% 1.4% 1.0% 58%
Allowance Coverage 1.21x
+75.6% YoY
+38.0% QoQ
 -22.94x 24.15x 27.36x 20.23x 32%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 74%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 8.5%
+0.6pp YoY
-1.9pp QoQ
 -3.7pp 12.2% 12.5% 11.6% 28%
Cost of Funds (YTD) 1.7%
0.0pp YoY
+0.1pp QoQ
 0.0pp 1.7% 1.7% 1.7% 53%
Net Income ($, YTD) $3.8M
+21.7% YoY
— QoQ
 +$1.3M $2.6M $5.1M $40.4M 79%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk
#270 of 742 • Bottom 36.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 16.50%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 92.48%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

356
Net Interest Margin
profitability
Value: 4.73%
Peer Median: 3.99%
#356 of 2643 Top 13.4% in $100M-$1B
489
Total Loans
size
Value: $424.49M
Peer Median: $258.35M
#489 of 2643 Top 18.5% in $100M-$1B
568
Total Assets
size
Value: $574.32M
Peer Median: $386.57M
#568 of 2643 Top 21.5% in $100M-$1B
588
Non-Interest Income / Assets
revenue_mix
Value: 0.34%
Peer Median: 0.57%
#588 of 2643 Top 22.2% in $100M-$1B
636
Total Deposits
size
Value: $459.00M
Peer Median: $326.73M
#636 of 2643 Top 24.0% in $100M-$1B

Top Weaknesses (2 metrics)

2484
Nonperforming Asset Ratio
credit_quality
Value: 2.20%
Peer Median: 0.67%
#2484 of 2643 Bottom 6.1% in $100M-$1B
2080
Loan-to-Deposit Ratio
liquidity
Value: 92.48%
Peer Median: 77.95%
#2080 of 2643 Bottom 21.3% in $100M-$1B
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