BlastPoint's Banking Scorecard

Gibsland Bank & Trust Company

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

Designations: ✓ CDFI-certified

Gibsland, LA

13 branches across LA

2664 banks in the $100M-$1B peer group nationally 74 in LA

Gibsland Bank & Trust Company has 3 strengths but faces 2 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

+ ROA 0.32% above tier average
+ Net Interest Margin 0.86% above tier average
+ Efficiency Ratio 4.10% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 42.8% in tier
- Nonperforming Asset Ratio 1.83% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$575.1M +9.1% YoY -1.9% QoQ	+$189.0M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	78%
Total Loans ?	$407.5M +15.1% YoY +1.1% QoQ	+$151.8M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	80%
Total Deposits ?	$461.3M +3.9% YoY -3.4% QoQ	+$133.3M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	76%
Return on Assets ?	1.59% +38.0% YoY +43.8% QoQ	+0.32%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	72%
Net Interest Margin ?	4.79% +7.7% YoY +3.1% QoQ	+0.86%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	Top 11.3% in tier
Efficiency Ratio ?	61.18% -13.4% YoY -17.1% QoQ	-4.10%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	56%
Delinquency Rate ?	0.93% -43.0% YoY -30.8% QoQ	+0.04%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	30%
Loan-to-Deposit Ratio ?	88.33% +10.8% YoY +4.6% QoQ	+11.69%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	28%
Non-Interest-Bearing Deposit Share ?	18.78% -0.6% YoY -29.9% QoQ	-3.24%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	39%
Nonperforming Asset Ratio ?	2.46% -15.6% YoY -8.6% QoQ	+1.83%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	Bottom 4.5% in tier
Tier 1 Capital Ratio ?	16.24% -0.7% YoY +1.6% QoQ	+0.41%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	73%
Non-Interest Income / Assets ?	0.17% -4.2% YoY -78.7% QoQ	-0.11%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	79%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#317 of 739 • Bottom 42.8% 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: 16.24%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 88.33%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

302

Net Interest Margin

profitability

Value: 4.79%

Peer Median: 3.93%

#302 of 2664 Top 11.3% in $100M-$1B

530

Total Loans

size

Value: $407.47M

Peer Median: $255.72M

#530 of 2664 Top 19.9% in $100M-$1B

552

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#552 of 2664 Top 20.7% in $100M-$1B

574

Total Assets

size

Value: $575.11M

Peer Median: $386.08M

#574 of 2664 Top 21.5% in $100M-$1B

634

Total Deposits

size

Value: $461.32M

Peer Median: $327.97M

#634 of 2664 Top 23.8% in $100M-$1B

Top Weaknesses (1 metrics)

2545

Nonperforming Asset Ratio

credit_quality

Value: 2.46%

Peer Median: 0.64%

#2545 of 2664 Bottom 4.5% in $100M-$1B