Gibsland Bank & Trust Company: how it compares with its peers
Against 46 LA banks with half to twice its assets, Gibsland Bank & Trust Company's strongest measure in Q2 2026 is net interest margin (4.73% vs. a 4.34% peer median). Its weakest relative measure is efficiency ratio (67.30% vs. 64.06%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.32% | 1.44% | Middle third Ahead of 48% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.73% | 4.34% | Top third Ahead of 80% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.30% | 64.06% | Middle third Ahead of 39% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $6.0M | Middle third Ahead of 43% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.48% | 80.50% | Context |
What it means for lending operations
Its efficiency ratio of 67.30% is above the 64.06% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Cottonport Bank Cottonport, LA · $582M
- Merchants & Farmers Bank & Trust Company Leesville, LA · $541M
- Rayne State Bank & Trust Company Rayne, LA · $541M
- Commercial Capital Bank Delhi, LA · $611M
- Fifth District Savings Bank New Orleans, LA · $532M
- First National Bank of Louisiana Crowley, LA · $631M
Questions about Gibsland Bank & Trust Company
How big is Gibsland Bank & Trust Company?
Gibsland Bank & Trust Company, established in 1948, is headquartered in Gibsland, LA. It reported $574M in total assets in its Q2 2026 FDIC call report and operates 19 offices.
What is Gibsland Bank & Trust Company's return on assets?
1.32% annualized in Q2 2026, against a 1.44% median for 46 LA banks with half to twice its assets, ahead of 48% of them.
What is Gibsland Bank & Trust Company's efficiency ratio?
67.30% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 64.06%, and lower is better.
Is Gibsland Bank & Trust Company growing its loans?
Net loans grew 15.3% over the year to Q2 2026, while deposits grew 4.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are LA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Louisiana bank ranked.