TellerScore

Gibsland Bank & Trust Company is a state-chartered bank headquartered in Gibsland, Louisiana, in business for about 78 years. At the end of Q2 2026 it reported $574.3M in total assets and $459.0M in deposits, with 19 offices.

Based on its Q2 2026 filing, Gibsland Bank & Trust Company scores 81/100, which we describe as strong. That is higher than 80% of 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 12th. Its strongest component is capital cushion (100/100; 16.50%), and its lowest is funding & liquidity (58/100; 92% loans-to-deposits, 24% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.50%
Loan quality80/100
Noncurrent loans ÷ total loans: 0.61%
Earnings73/100
Return on assets (annualized): 1.32%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 92.5% · 24.1% uninsured
Problem-loan coverage74/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 13.12%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (74 → 81), mostly because the loan quality component improved by 23 points.

TellerScore
597081Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202459
Q4 202470
Q1 202571
Q2 202574
Q3 202576
Q4 202574
Q1 202680
Q2 202681
Tier 1 leverage ratio
5.00%10.75%16.50%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.05%
Q3 202415.44%
Q4 202415.36%
Q1 202516.36%
Q2 202516.31%
Q3 202516.49%
Q4 202515.98%
Q1 202616.24%
Q2 202616.50%
Noncurrent loans
0.61%1.85%3.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.91%
Q3 20243.08%
Q4 20241.65%
Q1 20251.61%
Q2 20251.29%
Q3 20251.13%
Q4 20251.33%
Q1 20260.92%
Q2 20260.61%
Return on assets
1.07%1.33%1.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.07%
Q3 20241.15%
Q4 20241.11%
Q1 20251.15%
Q2 20251.18%
Q3 20251.25%
Q4 20251.10%
Q1 20261.59%
Q2 20261.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$574.3M16.50%0.61%1.32%92.5%
Q1 202680$575.1M16.24%0.92%1.59%88.3%
Q4 202574$586.1M15.98%1.33%1.10%84.4%
Q3 202576$528.1M16.49%1.13%1.25%84.5%
Q2 202574$526.4M16.31%1.29%1.18%83.4%
Q1 202571$527.1M16.36%1.61%1.15%79.7%
Q4 202470$546.9M15.36%1.65%1.11%75.1%
Q3 202459$507.5M15.44%3.08%1.15%80.6%
Q2 202478$519.6M15.05%0.91%1.07%79.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio16.50%
92nd
Total risk-based capital0.00%
24th
Problem loans0.61%
41st
Net charge-offs0.08%
22nd
Return on assets1.32%
54th
Net interest margin4.73%
87th
Efficiency ratio67.3%
36th
Loans to deposits92.5%
21st
Uninsured deposits24.1%
50th
Loan-loss reserves0.74%
9th
Texas ratio13.1%
13th

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Cottonport BankBank Cottonport, LA83 out of 100, Strong$581.6M13.9%0.99%vs
Merchants & Farmers Bank & Trust CompanyBank Leesville, LA70 out of 100, Strong$541.4M11.2%0.70%vs
Rayne State Bank & Trust CompanyBank Rayne, LA79 out of 100, Strong$540.5M11.6%0.44%vs
Commercial Capital BankBank Delhi, LA46 out of 100, Below average$611.4M11.5%5.66%vs
Fifth District Savings BankBank New Orleans, LA81 out of 100, Strong$531.8M21.4%0.09%vs
First National Bank of LouisianaBank Crowley, LA78 out of 100, Strong$631.1M11.0%0.00%vs

Deposit insurance

Is my money safe at Gibsland Bank & Trust Company?

Yes. Gibsland Bank & Trust Company is an FDIC-insured institution (FDIC certificate #16689). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.1% of deposits ($110.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 16.50%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

19 locations

Branches

Gibsland Bank & Trust Company lists 17 offices in 14 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Gibsland Bank & Trust Company
Former names
Gibsland Bank
Type
State-chartered bank
FDIC certificate #
16689
RSSD ID
734350
Primary regulator
FDIC
Holding company
Gibsland Bancshares Inc
Established
April 15, 1948
Headquarters
1246 S 3rd St, Gibsland, LA 71028
Employees
99

Quick answers

Gibsland Bank & Trust Company: common questions

Is Gibsland Bank & Trust Company FDIC insured?

Yes. Gibsland Bank & Trust Company is an FDIC-insured institution (FDIC certificate #16689). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Gibsland Bank & Trust Company's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Gibsland Bank & Trust Company ever failed?

There is no failure record for FDIC certificate #16689 in the FDIC failed bank list.

How many branches does Gibsland Bank & Trust Company have?

19 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Gibsland

InstitutionScoreAssetsCapitalProblem loansCompare
Department of Corrections Credit UnionCredit union Baton Rouge, LA90 out of 100, Very strong$126.3M23.4%0.57%vs
U B C Southern Council Industria Wo Federal Credit UnionCredit union Minden, LA81 out of 100, Strong$834K37.1%0.46%vs
Hodge Bank & Trust CompanyBank Hodge, LA78 out of 100, Strong$127.6M15.2%1.85%vs
Bonvenu Bank, National AssociationBank Bossier City, LA67 out of 100, Moderate$1.6B10.0%0.13%vs
Capital One, National AssociationBank Mclean, VA66 out of 100, Moderate$662.2B10.6%1.49%vs
Home Federal BankBank Shreveport, LA65 out of 100, Moderate$644.0M9.3%0.63%vs