BlastPoint's Banking Scorecard
Gibsland Bank & Trust Company
Community
Specialty: Commercial
LA
FDIC cert 16689
Gibsland, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
Gibsland Bank & Trust Company faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 2.20% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$586.1M
+7.2% YoY
+11.0% QoQ
|
-$805.3M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$403.2M
+14.1% YoY
+8.4% QoQ
|
-$572.2M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
15% |
| Total Deposits ? |
$477.7M
+1.5% YoY
+8.5% QoQ
|
-$686.9M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
1.10%
-0.4% YoY
-11.7% QoQ
|
-0.06% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
4.64%
+9.3% YoY
-0.4% QoQ
|
+0.98% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
73.82%
+0.4% YoY
+6.0% QoQ
|
+11.18% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
1.34%
-19.4% YoY
+17.5% QoQ
|
+0.71% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
84.41%
+12.4% YoY
-0.1% QoQ
|
+1.35% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
26.81%
+48.0% YoY
+34.7% QoQ
|
+5.76% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
2.70%
-5.3% YoY
-5.6% QoQ
|
+2.20% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.80%
-4.2% YoY
+34.3% QoQ
|
+0.06% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
2.70%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Net Interest Margin
Current: 4.64% · Tier avg: 3.66%
77
77th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.74%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.81% · Tier avg: 21.05%
51
51th pctile
Loan-to-Deposit Ratio
Current: 84.41% · Tier avg: 83.06%
48
48th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
19
19th pctile
Efficiency Ratio
Current: 73.82% · Tier avg: 62.63%
19
19th pctile
Delinquency Rate
Current: 1.34% · Tier avg: 0.63%
15
15th pctile
Total Loans
Current: $403.2M · Tier avg: $975.5M
12
12th pctile
Total Assets
Current: $586.1M · Tier avg: $1.4B
10
10th pctile
Total Deposits
Current: $477.7M · Tier avg: $1.2B
0
0th pctile
Nonperforming Asset Ratio
Current: 2.70% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.70% · Tier avg: 0.50%
10
10th pctile
Total Deposits
Current: $477.7M · Tier avg: $1.2B
12
12th pctile
Total Assets
Current: $586.1M · Tier avg: $1.4B
15
15th pctile
Total Loans
Current: $403.2M · Tier avg: $975.5M
19
19th pctile
Delinquency Rate
Current: 1.34% · Tier avg: 0.63%
19
19th pctile
Efficiency Ratio
Current: 73.82% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
48
48th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
51
51th pctile
Loan-to-Deposit Ratio
Current: 84.41% · Tier avg: 83.06%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.81% · Tier avg: 21.05%
77
77th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.74%
90
90th pctile
Net Interest Margin
Current: 4.64% · Tier avg: 3.66%