Gibsland Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Gibsland Bank & Trust Company is an FDIC-insured commercial bank headquartered in Gibsland, LA, established in 1948 (FDIC certificate 16689), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $574.3M, up 9.1% from Q2 2025, the 37th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.50% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16689
- Headquarters
- Gibsland, LA
- Established
- 1948
- Total assets, Q2 2026
- $574.3M
- Assets vs Q2 2025
- +9.1%
- Tier 1 leverage ratio, Q2 2026
- 16.50%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 111104617
- Latest call report
- Q2 2026, FFIEC 051 · Gibsland Bank & Trust Company call report
- Holding company
- GIBSLAND BANCSHARES, INC.
- Asset rank in state
- 37th of 102 in Louisiana
Gibsland Bank & Trust Company carries far more capital than most banks of its size. It reported $574 million in assets at June 30, 2026, up 9.1% from a year earlier. It funds 16.50% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it carries problem assets equal to 13.1% of the capital and reserves that would absorb them, 5.0 times the median of 2.6% for banks its size.
Loans are outrunning deposits: over the year loans rose 15.2% and deposits rose 4.0%. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.61% of loans from 1.29%. Profitability lags: it returns 6.6% a year on shareholders' equity, about half the median of 12.5% for banks its size.
As of June 30, 2026, Gibsland Bank & Trust Company reported a return on assets of 1.06%, a nonperforming-loan ratio of 0.61% and a Texas ratio of 13.12%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Gibsland Bank & Trust Company is the 37th largest of the 102 banks headquartered in Louisiana. From Q1 2026 to Q2 2026, its total assets fell 0.1% to $574.3M, loans rose 4.1% and deposits fell 0.5%. Owner-occupied commercial real estate loans made up 25.2% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 22.3%. Its 13 offices in the FDIC Summary of Deposits are in 10 cities in LA; its Minden 2 offices book 23% of its branch deposits. By the capital ratios in its Q2 2026 call report, Gibsland Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1246 S 3rd St, Gibsland, LA 71028
- County
- Bienville
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 15, 1948
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 99
- Domestic deposits
- $459.0M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $172K
- Average total assets
- $575.8M
- Average total loans
- $419.6M
- Average interest-bearing deposits
- $380.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 15, 1948
- FDIC Cert
- 16689
- Fed RSSD
- 734350
- SEC CIK
- 1934094 → filed by GIBSLAND BANCSHARES, INC.
- Website
- www.gbt.bank →
- Parent Holding Company
- GIBSLAND BANCSHARES, INC. (RSSD 1136102)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Gibsland Bank & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Gibsland Bank & Trust Company's total assets moved between a low of $478.0M (Q3 2023) and a high of $586.1M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$574.3M total assets against $526.4M; $481.3M total liabilities against $443.9M.
$424.5M net loans and leases against $368.0M; $459.0M total deposits against $441.5M.
$69.6M securities against $75.4M; $35.2M cash and balances due against $38.5M.
$8.5M total interest income against $7.6M; $2.4M total interest expense against $2.1M.
$6.1M net interest income against $5.6M.
$958K total noninterest income against $986K; $5.2M total noninterest expense against $4.7M.
$0 provision for credit losses against $0.
$1.5M net income against $1.6M.
1.06% return on assets against 1.22%; 4.62% net interest margin against 4.67%.
16.50% tier 1 leverage ratio against 16.31%.
Inside the full Gibsland Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGibsland Bank & Trust Company rankings
Its closest position to the top of a national ranking is 405 of 3,640, for Texas Ratio; its furthest is 2,954 of 3,606, for efficiency ratio.
Banks merged into Gibsland Bank & Trust Company
- Marion State Bank, effective October 1, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.73% (Q4 2025) to 1.60% (Q1 2026) and its net interest margin ran from 4.22% (Q3 2024) to 4.82% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.50% | 1.06% | 0.61% | 13.12% | 4.62% |
| Q1 2026 | 16.24% | 1.60% | 0.92% | 14.99% | 4.78% |
| Q4 2025 | 15.98% | 0.73% | 1.33% | 17.58% | 4.69% |
| Q3 2025 | 16.49% | 1.39% | 1.13% | 17.02% | 4.82% |
| Q2 2025 | 16.31% | 1.22% | 1.29% | 18.21% | 4.67% |
| Q1 2025 | 16.36% | 1.20% | 1.61% | 18.23% | 4.44% |
| Q4 2024 | 15.36% | 1.04% | 1.65% | 19.96% | 4.48% |
| Q3 2024 | 15.44% | 1.34% | 3.08% | 20.59% | 4.22% |
Swipe the table sideways to see every column.
Branch Network
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Minden Homer Road Branch | Minden , LA | 71055 | $105.1M |
| Gibsland Bank & Trust Company (main office) | Gibsland , LA | 71028 | $71.9M |
| Arcadia Branch | Arcadia , LA | 71001 | $66.0M |
| Gbt - Homer Branch | Homer , LA | 71040 | $65.0M |
| Bossier Branch | Bossier City , LA | 71111 | $56.4M |
| Mansfield Road Branch | Shreveport , LA | 71118 | $25.2M |
| Sibley Branch | Sibley , LA | 71073 | $16.6M |
| Gbt - Lincoln Center Branch | Ruston , LA | 71270 | $13.2M |
| Athens Branch | Athens , LA | 71003 | $12.4M |
| Gbt - Line Avenue Branch | Shreveport , LA | 71104 | $11.7M |
| Gbt-Haynesville Branch | Haynesville , LA | 71038 | $9.9M |
| Homer Branch | Homer , LA | 71040 | $3.4M |
| Gbt - Minden (Broadway Street) Branch | Minden , LA | 71055 | $2.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2026 | Structure Change | Acquired Marion State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in LA, rank 45 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 13 loans, $9.5M approved, $733K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Gibsland Bank & Trust Company
What are Gibsland Bank & Trust Company's total assets?
As of the Q2 2026 filing, Gibsland Bank & Trust Company reported total assets of $574.3 million in its FFIEC call report.
Where is Gibsland Bank & Trust Company headquartered?
It is headquartered in Gibsland, LA, United States.
When was Gibsland Bank & Trust Company founded?
It was established in 1948, per the FDIC institution directory.
Is Gibsland Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16689). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Gibsland Bank & Trust Company?
Gibsland Bank & Trust Company's primary federal regulator is the FDIC.
How many branches does Gibsland Bank & Trust Company operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Gibsland Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 13.12% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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