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318-843-6228
1246 Third Street
Gibsland, LA 71028

Gibsland Bank & Trust Company is headquartered in Gibsland and is the 46th largest bank in the state of Louisiana. It is also the 2,193rd largest bank in the nation. It was established in 1948 and as of March of 2014, it had grown to 84 employees at 9 locations. Gibsland Bank & Trust Company's savings rates are 3X the national average, and it has a B+ health rating.

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Reviews (1)

Customer Service Very Nice

I contacted them via email about opening an account and they were very prompt to respond. It does require a branch visit. It is not too far from Shreveport so if you going there to gamble from Texas you can swing by easily.

On another note, the new TurboTax for 2013 is out.
I use TurboTax to do my taxes each year and have been using it since 1998. It works for me in my tax situation.
I have found a company that sells it as a download i.e., no box, for a very reasonable price. I also get a credit against my purchase. If you are interested in using TurboTax this year here is the new 2013 link.

http://smith.buycheaproducts.com/Products.html



Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Gibsland Bank & Trust Company had $4.8 million in non-current loans and owned real-estate with $29.64 million in equity and loan loss allowances on hand to cover it. This gives Gibsland Bank & Trust Company a Texas Ratio of 16.19% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Gibsland Bank & Trust Company decreased dramatically from 29.64% as of March 31, 2013 to 16.19% as of March 31, 2014, resulting in a positive change of 45.38%.This indicates that the balance sheet and financial strength for Gibsland Bank & Trust Company has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Gibsland Bank & Trust Company has increased its total deposits by $33.31 million, resulting in 14.71% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Gibsland Bank & Trust Company has shown is excellent.

Capitalization

GRADE:
B

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Gibsland Bank & Trust Company has $297.04 million in assets with $29.64 million in equity, resulting in a capitalization level of 9.98%, which is above average.

Institution Statistics

Overall
FDIC Certificate #16689
Year Established1948
Employees84
Primary RegulatorFDIC
Assets and Liabilities
Assets$297.04 million
Loans$232.88 million
Deposits$259.69 million
Equity Capital$28.37 million
Loan Loss Allowance$1.27 million
Unbacked Noncurrent Loans$1.90 million
Real Estate Owned$2.89 million
Historic Data - March 2013
Assets$255.46 million
Equity Capital$24.48 million
Loan Loss Allowance$1.03 million
Unbacked Noncurrent Loans$1.90 million
Real Estate Owned$3.31 million
Profit Margin - Quarterly
Net Interest Margin5.39%
Return on Assets1.21%
Return on Equity12.88%
Interest Income$4.01 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Gibsland Bank & Trust Company, we are a rate comparison website and can not provide official rates or promotions.

Gibsland Bank & Trust Company Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.51%-$25kRealSaver - Qualifying
0.25%$300-Consumer Savings Account
0.20%$300-Commercial Savings Account
0.15%--RealSaver - Non Qualifying

Gibsland Bank & Trust Company Money Market Rates

DetailsAPYMINMAXPRODUCT
0.15%$1k-Consumer Money Market Account
0.15%$1k-Commercial Plus Business Money Market Account

Gibsland Bank & Trust Company Checking Account Rates

DetailsAPYMINMAXPRODUCT
4.11%-$15kRewards Checking - Qualifying
1.04%$500k-GBT Gold Medallion
0.20%$1,500-Consumer Super NOW Account
0.15%$1k-Consumer NOW Account
0.15%$1k-Commercial Now Account
0.15%-$15kRewards Checking - Non Qualifying

Gibsland Bank & Trust Company CD Rates

DetailsAPYMINMAXPRODUCT
1.97%$250k-120 Month CD
1.31%$250k-60 Month CD
1.26%$250k-36 Month CD
1.26%$250k-84 Month CD
1.21%$250k-30 Month CD
1.11%$250k-24 Month CD
0.95%$250k-18 Month CD
0.70%$250k-12 Month CD
0.60%$250k-30 Month Public Funds CD
0.50%$250k-24 Month Public Funds CD
0.45%$250k-6 Month CD
0.40%$250k-18 Month Public Funds CD
0.30%$250k-12 Month Public Funds CD
0.18%$250k-3 Month CD
0.15%$250k-6 Month Public Funds CD
0.10%$1k-7-31 Day CD
0.07%$250k-3 Month Public Funds CD

Gibsland Bank & Trust Company IRA Rates

DetailsAPYMINMAXPRODUCT
0.55%--18 Month IRA CD
Locations


Gibsland Bank & Trust Company Locations
Gibsland Bank & Trust Company1246 Third StreetGibsland, LA 71028
Minden Homer Road Branch1374 Homer RoadMinden, LA 71055
Minden Wal-Mart Supercenter Branch1379 Homer RoadMinden, LA 71055
Athens Branch15315 Hwy 9Athens, LA 71003
Arcadia Branch1820 Second StreetArcadia, LA 71001
Sibley Branch318 North Main StreetSibley, LA 71073
Bossier Branch5360 Eat Texas StreetBossier City, LA 71111
Homer Branch813 West Main StreetHomer, LA 71040
Mansfield Road Branch9709 Mansfield RoadShreveport, LA 71118