Gibsland Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Gibsland Bank & Trust Company of Gibsland, LA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.06% | 1.34% | -0.28% | 37th below |
| ROAE | 6.62% | 13.32% | -6.70% | 20th bottom |
| Net Interest Margin | 4.62% | 3.93% | +0.69% | 83rd top |
| Efficiency Ratio | 73.24% | 61.13% | +12.11% | 22nd bottom |
| PPNR / Avg Assets | 1.30% | 1.68% | -0.38% | 33rd below |
| Yield on Earning Assets | 6.40% | 5.67% | +0.73% | 84th top |
| Cost of Funds | 1.95% | 1.88% | +0.07% | 40th below |
| Net Interest Spread | 4.00% | 3.32% | +0.68% | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.61% | 0.94% | -0.33% | 41st below |
| NPA / Total Assets | 2.19% | 0.70% | +1.49% | 6th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.13% | 0.16% | -0.03% | 16th bottom |
| ACL / Total Loans | 0.74% | 1.28% | -0.54% | 8th bottom |
| ACL / NPLs (Coverage) | 122.43% | 1539.53% | -1417.10% | 34th below |
| Texas Ratio | 13.12% | 7.33% | +5.79% | 15th bottom |
| Provision / NCO | 0.00% | 1396.67% | -1396.67% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.50% | 12.14% | +4.36% | 92nd top |
| Equity / Assets | 16.20% | 11.37% | +4.83% | 91st top |
| TCE / Tangible Assets | 16.20% | 11.09% | +5.11% | 92nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.17% | 80.63% | +12.54% | 22nd bottom |
| Core Deposit Ratio | 96.60% | 86.86% | +9.74% | 91st top |
| Wholesale Funding Ratio | 3.48% | 5.03% | -1.55% | 51st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.09% | 6.85% | +2.24% | 80th top |
| Loan Growth (Y/Y) | 15.18% | 7.90% | +7.28% | 86th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.96% | 6.29% | -2.33% | 50th above |
See Gibsland Bank & Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Gibsland Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Gibsland Bank & Trust Company profile, how to read a UBPR, or how this data updates.