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Gibsland Bank & Trust Company

Gibsland, LA · Cert 16689 · Gibsland Bancshares Inc.

State charter, non-member · FDIC · 13 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

76

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

32

Q2 2024Q2 2026peer median

Efficiency

43

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Gibsland Bank & Trust Company

Gibsland, LA · Cert 16689 · Gibsland Bancshares Inc.

State charter, non-member · FDIC · 13 branches

Q2 2026

$574.3MAssets
$427.7MLoans
$459.0MDeposits
$93.0MEquity
Loan mix
88%RE $354.9M9%C&I $36.5M3%Consumer $13.9MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $375.3M18%Noninterest $83.7MQ2 2025Q2 2026

NIM

5.54%Q2 ’245.76%Q2 ’255.90%Q2 ’26+8%+3%

Non-interest income vs. expense

3.21%Q2 ’243.47%Q2 ’253.36%Q2 ’26+7%-2%

Market Position · Shreveport-Bossier City, LA · 2026 SOD (annual) · 1.0% share · #15 of 23 inst. · $0.1B of $9.6B

45.0% Bienville
13.5% Webster
49.4% Claiborne
2.0% Bossier

Executive Summary

  • Earnings: ROA of 1.32%, up 14 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 0.61% of loans (-68 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 16.50%, up 19 bps from a year ago.
  • Funding: loans stand at 93.17% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.32%+14 bps YoY

Net Interest Margin (YTD, annualized)

4.31%+14 bps YoY

Efficiency Ratio (YTD, annualized)

67.30%-344 bps YoY

Tier 1 Leverage Ratio

16.50%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.25%1.10%1.59%1.32%+14 bps
Return on Equity7.93%8.23%7.32%10.38%8.49%+55 bps
Net Interest Margin4.17%4.21%4.11%4.39%4.31%+14 bps
Efficiency Ratio70.74%69.62%73.82%61.18%67.30%-344 bps
Non-Interest Burden2.74%2.69%2.81%2.42%2.68%-6 bps
Growth
Asset Growth (YoY)1.31%4.07%7.17%9.12%9.09%+778 bps
Loan Growth (YoY)7.84%7.03%13.93%14.96%15.18%+734 bps
Deposit Growth (YoY)3.57%2.23%1.49%3.95%3.96%+40 bps
Asset Quality
Nonperforming Loans / Loans1.29%1.13%1.33%0.92%0.61%-68 bps
Net Charge-Offs / Loans0.11%0.09%0.09%0.03%0.08%-3 bps
Allowance / Loans0.89%0.87%0.82%0.81%0.74%-15 bps
Allowance Coverage of NPLs0.7x0.8x0.6x0.9x1.2x+0.5x
Capital
Tier 1 Leverage Ratio16.31%16.49%15.98%16.24%16.50%+19 bps
Total Risk-Based Capital16.31%16.49%15.98%16.24%16.50%+19 bps
Equity / Assets15.67%16.16%14.77%15.86%16.20%+53 bps
Liquidity & Funding
Loans / Deposits84.10%85.28%85.11%89.04%93.17%+907 bps
Liquid Assets / Assets6.21%5.48%5.42%7.29%4.57%-164 bps
CRE / Total Capitaln/a240%250%244%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Gibsland Bank & Trust Company

Gibsland, LA · Cert 16689 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Gibsland Bancshares Inc.

State charter, non-member · FDIC · 13 branches

Q2 2026

$574.3MAssets
$427.7MLoans
$459.0MDeposits
$93.0MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 90% of banks under $1B in assets operating in a single state (rank 74 of 746).
  • Widest gap: net charge-offs / loans trails 82% of banks under $1B in assets operating in a single state (rank 611 of 743).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.33%

Rank 238 of 746

Net Interest Margin

4.31%

Rank 138 of 746

Efficiency Ratio

67.30%

Rank 425 of 746

Equity / Assets

16.20%

Rank 74 of 746

Non-interest income vs. expense

$3.9M$19.3MINCOMEEXPENSE
Unfavorable gap of $15.5M · efficiency ratio beats 43% of banks under $1B in assets operating in a single state
Bank 67.30%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.33%0.72%1.06%1.45%Beats 68%238 / 746
Return on Equity8.24%6.74%10.51%13.63%Beats 35%483 / 746
Net Interest Margin4.31%3.17%3.68%4.16%Beats 82%138 / 746
Efficiency Ratio67.30%55.74%64.58%75.47%Beats 43%425 / 746
Asset Quality
Nonperforming Loans / Loans0.61%0.09%0.42%1.07%Beats 42%431 / 743
Net Charge-Offs / Loans0.08%0.00%0.01%0.05%Beats 18%611 / 743
Capital
Tier 1 Capital Ratio16.50%11.55%13.75%17.60%Beats 70%223 / 746
Total Risk-Based Capital Ratio16.50%11.71%14.33%18.43%Beats 67%248 / 746
Equity / Assets16.20%8.90%10.51%13.06%Beats 90%74 / 746
Liquidity & Funding
Loans / Deposits93.17%61.31%78.27%90.78%80th pctl150 / 746
Loans / Assets74.46%53.60%66.97%76.08%69th pctl228 / 746
Brokered Deposits / Depositsn/aNot reported for this institution