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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.11% | 1.15% | 1.18% | 1.25% | 1.10% | 1.59% | 1.32% | +14 bps | |
| Return on Equity | 8.61% | 8.25% | 7.96% | 7.93% | 8.23% | 7.32% | 10.38% | 8.49% | +55 bps | |
| Net Interest Margin | 3.89% | 3.87% | 4.19% | 4.17% | 4.21% | 4.11% | 4.39% | 4.31% | +14 bps | |
| Efficiency Ratio | 70.22% | 73.50% | 70.67% | 70.74% | 69.62% | 73.82% | 61.18% | 67.30% | -344 bps | |
| Non-Interest Burden | 2.51% | 2.61% | 2.75% | 2.74% | 2.69% | 2.81% | 2.42% | 2.68% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.15% | 4.84% | 5.87% | 1.31% | 4.07% | 7.17% | 9.12% | 9.09% | +778 bps | |
| Loan Growth (YoY) | 12.97% | 12.34% | 9.57% | 7.84% | 7.03% | 13.93% | 14.96% | 15.18% | +734 bps | |
| Deposit Growth (YoY) | 2.29% | 2.31% | 4.69% | 3.57% | 2.23% | 1.49% | 3.95% | 3.96% | +40 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.08% | 1.65% | 1.61% | 1.29% | 1.13% | 1.33% | 0.92% | 0.61% | -68 bps | |
| Net Charge-Offs / Loans | 0.72% | 0.56% | 0.04% | 0.11% | 0.09% | 0.09% | 0.03% | 0.08% | -3 bps | |
| Allowance / Loans | 1.03% | 0.98% | 0.97% | 0.89% | 0.87% | 0.82% | 0.81% | 0.74% | -15 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.6x | 0.6x | 0.7x | 0.8x | 0.6x | 0.9x | 1.2x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.44% | 15.36% | 16.36% | 16.31% | 16.49% | 15.98% | 16.24% | 16.50% | +19 bps | |
| Total Risk-Based Capital | 15.44% | 15.36% | 16.36% | 16.31% | 16.49% | 15.98% | 16.24% | 16.50% | +19 bps | |
| Equity / Assets | 14.70% | 13.62% | 15.36% | 15.67% | 16.16% | 14.77% | 15.86% | 16.20% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.45% | 75.82% | 80.52% | 84.10% | 85.28% | 85.11% | 89.04% | 93.17% | +907 bps | |
| Liquid Assets / Assets | 1.93% | 5.18% | 9.09% | 6.21% | 5.48% | 5.42% | 7.29% | 4.57% | -164 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 240% | 250% | 244% | n/a | n/a | |