🏦Bank Scorer

GIBSLAND BANK & TRUST COMPANY

GIBSLAND, LA · Supervised by FDIC

Est. 1948FDIC #16,689RSSD: FDIC-16689
Part ofGIBSLAND BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: November 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.59%

Institution Profile

FDIC BankFind

Address

1246 S 3rd St, GIBSLAND, LA

County

Bienville County

Established

April 15, 1948

Total Assets

$575M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$575M

Total Deposits

$461M

Net Loans

$407M

Net Income

$2M

ROA

1.59%

ROE

10.38%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate7.14%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

13

Branch Deposits

$441M

1-Year Change

+1

5-year net change: +4 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202419678.57%7.14%
202316081.25%6.88%
202219076.84%7.37%
202117283.14%10.47%
202022076.82%10.00%
201926081.54%13.08%
201822480.36%9.38%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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