Gibsland, LA · Cert 16689 · Gibsland Bancshares Inc.
State charter, non-member · FDIC · 13 branches
Q2 2026
Market Position · Shreveport-Bossier City, LA · 2026 SOD (annual) · 1.0% share · #15 of 23 inst. · $0.1B of $9.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.22% | 1.40% | 0.72% | 1.59% | 1.06% | -15 bps | |
| Return on Equity | 7.83% | 8.78% | 4.69% | 10.38% | 6.62% | -121 bps | |
| Net Interest Margin | 4.24% | 4.36% | 4.32% | 4.39% | 4.24% | 0 bps | |
| Efficiency Ratio | 70.81% | 67.57% | 84.91% | 61.18% | 73.61% | +280 bps | |
| Non-Interest Burden | 2.79% | 2.65% | 3.50% | 2.42% | 2.95% | +16 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 / Loans | 1.29% | 1.13% | 1.33% | 0.92% | 0.61% | -68 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.05% | 0.11% | 0.03% | 0.13% | -5 bps | |
| Allowance / Loans | 0.89% | 0.87% | 0.82% | 0.81% | 0.74% | -15 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.8x | 0.6x | 0.9x | 1.2x | +0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.31% | 16.49% | 15.98% | 16.24% | 16.50% | +19 bps | |
| Total Risk-Based Capital | 16.31% | 16.49% | 15.98% | 16.24% | 16.50% | +19 bps | |
| Equity / Assets | 15.67% | 16.16% | 14.77% | 15.86% | 16.20% | +53 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.10% | 85.28% | 85.11% | 89.04% | 93.17% | +907 bps | |
| Liquid Assets / Assets | 6.21% | 5.48% | 5.42% | 7.29% | 4.57% | -164 bps | |
| CRE / Total Capital | n/a | 240% | 250% | 244% | n/a | n/a | |