Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 19 Oct 2026 |
| RSSD ID | 734350 |
| Address | 1246 Third Street, Gibsland, LA 71028 Directions (Google Maps) |
| Website | gbt.bank |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedThis lender's website blocked our automated reader on 2 Nov 2026 (we do not bypass bot protection), so we can't list its loan products, sizes or service area yet. That doesn't mean it lacks them. Check gbt.bank or contact the lender directly.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$7.7 million in 6 awards from the U.S. Treasury's CDFI Fund, 2020–2024 (Bank Enterprise Award Program; CDFI Equitable Recovery Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $45,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Gibsland Bank & Trust Company (FDIC cert 16689). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $574.3 million (as of 30 Jun 2026) |
|---|---|
| Offices | 19 (as of 30 Oct 2026) |
Offices by state and county (19)
Louisiana (19 offices)
- Bienville Parish (2): 1246 S 3rd St, Gibsland 71028 (main office); 1820 2nd St, Arcadia 71001
- Bossier Parish (1): 5360 E Texas St, Bossier City 71111
- Caddo Parish (2): 3400 Line Ave, Shreveport 71104; 9709 Mansfield Rd, Shreveport 71118
- Claiborne Parish (4): 15315 Highway 9, Athens 71003; 9999 Highway 79, Haynesville 71038; 600 E Main St, Homer 71040; 813 W Main St, Homer 71040
- Lincoln Parish (1): 305 S. Vienna Street, Ruston 71270
- Ouachita Parish (4): 1900 Auburn Ave, Monroe 71201; 9032 Highway 165 N, Sterlington 71280; 1270 Louisiana Highway 15, West Monroe 71291; 2600 North 7th Street, West Monroe 71291
- Union Parish (2): 718 Sterlington Hwy, Farmerville 71241; 345 Main St, Marion 71260
- Webster Parish (3): 1374 Homer Rd, Minden 71055; 714 Broadway St, Minden 71055; 318 N Main St, Sibley 71073
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Gibsland Bank & Trust Company (RSSD 734350, FDIC cert 16689). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $427.7 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 15.2% from $371.3 million on 30 Jun 2025 |
| Total assets | $574.3 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $95.5 million | 22.3% |
| Commercial real estate, construction and multifamily | $243.7 million | 57.0% |
| Commercial and industrial (business) loans | $32.8 million | 7.7% |
| Farmland and farm production loans | $41.3 million | 9.7% |
| Consumer loans (credit cards, auto, other) | $14.1 million | 3.3% |
| All other loans and leases | $296,000 | 0.1% |
None reported on the 30 Jun 2026 report: home equity lines of credit.
Within consumer loans: auto loans $1.8 million, credit cards $179,000.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 100 loans $4.1 million | 205 loans $5.5 million |
| $100,001 to $250,000 | 77 loans $10.3 million | 58 loans $5.8 million |
| $250,001 to $1 million | 101 loans $38.4 million | 39 loans $10.9 million |
| All small business loans | 278 loans $52.8 million | 302 loans $22.2 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 27 loans $1.2 million | 16 loans $524,000 |
| $100,001 to $250,000 | 27 loans $3.6 million | 7 loans $671,000 |
| $250,001 to $500,000 | 19 loans $4.8 million | 5 loans $1.4 million |
| All small farm loans | 73 loans $9.6 million | 28 loans $2.6 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Gibsland Bank & Trust Company reported 156 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $32.7M (median loan about $105,000). 66 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 66 | 42% |
| Refinance (incl. cash-out) | 73 | 47% |
| Home improvement | 9 | 5.8% |
| Other purpose | 8 | 5.1% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 156 | 100% |
Included above: 24 loans on manufactured homes; 7 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 16 counties with at least one; 98% of its 2025 loans were for properties in Louisiana:
- Webster Parish, LA (34)
- Lincoln Parish, LA (30)
- Caddo Parish, LA (29)
- Claiborne Parish, LA (21)
- Bossier Parish, LA (17)
- Bienville Parish, LA (6)
- Ouachita Parish, LA (5)
- Jackson Parish, LA (3)
Filed under LEI 54930094EUD08LZEJR51 as “Gibsland Bank & Trust”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $217,950 (20 loans) | All 7(a) lenders in Louisiana: $250,000. Larger than the median loan of 64% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| Variable-rate 7(a) loans: rate over prime at approval, FY2024–26 | median 2.2 pts, half between 1 pts and 2.25 pts (17 loans; 0% at the SBA maximum) | All lenders in Louisiana: median 2.75 pts, 16% at the maximum (1,233 loans). |
| SBA approvals, FY2023–24 → FY2025–26 | 5 → 13 | Rank among the 19 certified CDFIs in Louisiana with SBA approvals in either period: 4 → 2. |
| Total assets (Call Report, 30 Jun 2026) | $574.3 million | Larger than 68% of the 72 other certified banks and bank holding companies in Louisiana (median $318.5 million). |
| Loans as a share of assets | 74% | Median of the same 72 banks and bank holding companies: 73%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $371.3 million → $427.7 million (+15%) | Median change of 72 other certified banks and bank holding companies in Louisiana: +3%. Rank by loans held among these 73: 17 → 17. |
| Home loans originated in 2025 (HMDA) | 156 | More than 60% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 64% |
| Rate over prime | all variable-rate 7(a) loans in Louisiana, FY2024–26 | 1,233 | median 2.2 pts vs 2.75 pts |
| SBA approvals then vs now | certified CDFIs in Louisiana with SBA approvals FY2023–2026 | 18 | rank 4 → 2 of 19 |
| Call Report total assets | other certified banks and bank holding companies in Louisiana | 72 | larger than 68% |
| Loans held then vs now | certified banks and bank holding companies in Louisiana reporting both dates | 72 | rank 17 → 17 of 73 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 60% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 20 SBA-backed approvals for Gibsland Bank & Trust Company in fiscal years 2020–2026 (October 2019 to September 2026):
- 20 7(a) loans as the lender: $11.9M in total (gross amount approved), median $217,950
By fiscal year: FY2020 1 · FY2021 1 · FY2022 0 · FY2023 0 · FY2024 5 · FY2025 13 · FY2026 0.
What actually happened
- Size of its 7(a) loans: half were between $100,725 and $652,225, median $217,950 (20 loans)
- Term of its 7(a) loans: median 120 months (10 years) (20 loans)
- Interest rate at approval on its 7(a) loans in FY2025–26: median 9.75%, half between 9.70% and 9.75% (13 loans; SBA's initial rate, before any change on a variable loan)
- Fixed or variable: 5% of its 7(a) loans had a fixed rate (20 loans)
- Young businesses: 55% of its 7(a) loans went to a startup or a business two years old or less (20 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (17, 85%)
- 7(a) SBA Express (3, 15%)
Borrower industries
NAICS sector, 3 or more loans.
- Arts, entertainment, and recreation (3)
- Accommodation and food services (3)
- Health care and social assistance (3)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Lincoln Parish, LA (6)
- Webster Parish, LA (4)
How this lender was matched in the SBA files: FDIC cert 16689, found through the RSSD ID on the CDFI Fund list (SBA lists “Gibsland Bank & Trust Company”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Gibsland Bank & Trust Company may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Gibsland and Louisiana
- Gibsland Bancshares, Inc.Bank holding company · Gibsland, LAOfficial list only
- 705 Federal Credit UnionCredit union · Lafayette, LAAuto / vehicle loans, Credit-builder loans, Microloans, Home mortgages…Verified
- American Bank & Trust CompanyBank or thrift · Opelousas, LAAgriculture / farm loans, Commercial real estate loans, Home mortgages, Personal / consumer loans…Verified
- Ascension Credit UnionCredit union · Gonzales, LAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- BASILE STATE BANKBank or thrift · Basile, LAAuto / vehicle loans, Home repair / improvement loans, Personal / consumer loansVerified
- BOM BankBank or thrift · Natchitoches, LAAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loans…Verified
Work at Gibsland Bank & Trust Company? Link to this page
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