Gibsland Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 29.14 percentage points higher than in Q1 2026, at 122.43%. Gibsland Bank & Trust Company ranks 62nd of 103 Louisiana banks on return on assets, in the lower half at 1.06% (Q2 2026). Gibsland Bank & Trust Company reported 1.06% on return on assets for Q2 2026, 0.19 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.50% |
| Equity capital to assets | 16.20% |
| Tangible equity to tangible assets | 16.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.61% |
| Non-performing assets ratio | 2.19% |
| Net charge-off ratio | 0.13% |
| Texas ratio | 13.12% |
| Allowance for credit losses to loans | 0.74% |
| Reserve coverage of non-performing loans | 122.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.06% |
| Return on equity | 6.62% |
| Net interest margin | 4.62% |
| Efficiency ratio | 73.24% |
| Yield on earning assets | 6.40% |
| Cost of funds | 1.95% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.17% |
| Core deposits to total deposits | 96.60% |
| Brokered deposits to total deposits | 0.20% |
| Deposits to assets | 79.92% |
| Securities to assets | 12.12% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.92% | 1.82% | 4.42% | 1.68% | 1.19% |
| Q4 2023 | 12.94% | 1.60% | 4.11% | 1.31% | -2.14% |
| Q1 2024 | 14.61% | 1.22% | 4.23% | 1.05% | 1.23% |
| Q2 2024 | 15.05% | 0.95% | 4.23% | 0.86% | 0.89% |
| Q3 2024 | 15.44% | 1.34% | 4.22% | 2.77% | 0.16% |
| Q4 2024 | 15.36% | 1.04% | 4.48% | 1.56% | 0.11% |
| Q1 2025 | 16.36% | 1.20% | 4.44% | 1.57% | 0.04% |
| Q2 2025 | 16.31% | 1.22% | 4.67% | 1.06% | 0.18% |
| Q3 2025 | 16.49% | 1.39% | 4.82% | 1.13% | 0.05% |
| Q4 2025 | 15.98% | 0.73% | 4.69% | 1.33% | 0.11% |
| Q1 2026 | 16.24% | 1.60% | 4.78% | 0.86% | 0.03% |
| Q2 2026 | 16.50% | 1.06% | 4.62% | 0.61% | 0.13% |
Gibsland Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gibsland Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Gibsland Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16689) · FFIEC NIC profile (RSSD 734350)