FDIC Cert #16689 · Gibsland, Louisiana · Est. 1948

Gibsland Bank & Trust Company - FDIC Bank Health Profile

A community-scale look at Gibsland Bank & Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$586M
Total assets
A
Health grade · Excellent
1.10%
Return on assets
16.0%
Tier 1 capital

Data updated July 2026

The verdict

Gibsland Bank & Trust Company earns a PlainBankData health grade of A (80/100), with well-capitalized at 15.98% Tier 1, profitable at 1.10% ROA, 74% efficiency ratio.

#1,604
largest of 4,313 FDIC banks by assets
63rd
percentile by asset size, nationally
15.98%
Tier 1 ratio - above the 10% well-capitalized line
50th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 16689 · LA A · 80/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (80/100)
  • MID-PACK #1973/4307
  • PHOTO-FINISH West Alabama Bank &… · AL
  • TIER1-WELL 16.0% Tier 1
  • TEXAS-CLEAN 6.0% Texas
  • ROA-PAR 1.10% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Louisiana: West Alabama Bank & Trust, AL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Gibsland Bank & Trust Company

Lowest and highest poles plus nearest scored peers outside Louisiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens Bank of the… · MO ·…80/100Gibsland Bank & Trus… · LA ·…80/100Peoples Bank of Moni… · MO ·…80/100United Bank & Trust · KS · n…80/100West Alabama Bank &… · AL · …80/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Gibsland Bank & Trust Company · July 2026

What Gibsland Bank & Trust Company's Call Report plate shows

Gibsland Bank & Trust Company (FDIC Cert #16689) carries a PlainBankData health grade of A at 80/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,973 of 4,307. Tier 1 capital prints at 15.98%, clearing the 10% well-capitalized line. The Texas Ratio is 6.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.10%. Balance-sheet scale is $586M, 1,604th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is West Alabama Bank & Trust (AL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Gibsland Bank & Trust Company

4 FAILURE resolutions in Louisiana since 2000 (3 since 2008)

Gibsland Bank & Trust Company's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Gibsland Bank & Trust Company remains an active FDIC-insured reporter.

  • FIRST NBC BANK NEW ORLEANS, LA 2017 → WHITNEY BANK
  • CENTRAL PROGRESSIVE BANK LACOMBE, LA 2011 → FIRST NBC BANK
  • STATEWIDE BANK COVINGTON, LA 2010 → HOME BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Louisiana banks.

How Gibsland Bank & Trust Company's 80/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10080/100
Gibsland Bank & Trust Company's composite health score
Tier 1 Capital Ratio (15.98%) 40/40
Return on Assets (ROA) (1.10%) 20/25
Texas Ratio (6.00%) 16/20
Efficiency Ratio (73.82%) 4/15

80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$586M

Total balance-sheet footings

Total Deposits

$478M

Customer-funded liabilities

Net Loans

$403M

Outstanding loan book

Net Income

$6M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.58% 15.98% 17.38%
Basel III capital ratios - Gibsland Bank & Trust Company

Where Gibsland Bank & Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Gibsland Bank & Trust Company's score of 80/100 falls in the highlighted band.

Gibsland Bank & Trust Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

80 Top 46% higher than 54% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Gibsland Bank & Trust Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Gibsland Bank & Trust Company's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Gibsland Bank & Trust Company's $586M falls in the highlighted band.

Safety ratios for Gibsland Bank & Trust Company

Tier 1 capital ratio
Well-capitalized 10%

15.98% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.98%
Texas Ratio
6.00%
Equity Capital
$87M

What these ratios mean →

Earnings posture at Gibsland Bank & Trust Company

Return on Assets (ROA)
50th percentile nationally
1.10%
Return on Equity (ROE)
7.32%
Efficiency Ratio
73.82%

What these mean →

Income & expense at Gibsland Bank & Trust Company

$31M
Interest Income
$5M
Non-Interest Income
$20M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Gibsland Bank & Trust Company reports a Texas Ratio of 6.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Gibsland Bank & Trust Company on FDIC BankFind →

Top banks in Louisiana by total assets

Largest banks headquartered in Louisiana
  1. 1
    Origin Bank $9.6B

    Choudrant, LA · Grade B

  2. 2
    b1BANK $8.2B

    Baton Rouge, LA · Grade A

  3. 3
    First Guaranty Bank $4.1B

    Hammond, LA · Grade C

  4. 4
    Gulf Coast Bank and Trust Company $3.6B

    New Orleans, LA · Grade B

  5. 5
    Home Bank $3.5B

    Lafayette, LA · Grade A

Top 5 banks in Louisiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($586M here), outside Louisiana so the neighborhood is not state containment.

Washington Savings Bank $586M · IL Fm Bank And Trust $586M · AR Grand Valley Bank $586M · UT American Heritage National Bank $587M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Gibsland Bank & Trust Company (FDIC Cert #16689) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Gibsland Bank & Trust Company Call Report profile · FDIC Failed Bank List · Louisiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Louisiana

All Louisiana banks →
BankAssetsGradeROA
Origin BankChoudrant $9.6B B 0.76%
b1BANKBaton Rouge $8.2B A 1.23%
First Guaranty BankHammond $4.1B C -1.33%
Gulf Coast Bank and Trust CompanyNew Orleans $3.6B B 1.15%
Home Bank, National AssociationLafayette $3.5B A 1.41%
Red River BankAlexandria $3.3B A 1.36%
Investar Bank, National AssociationBaton Rouge $2.8B B 0.89%
Bonvenu Bank, National AssociationBossier City $1.6B B 0.54%