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Gbt Rates & Review April 2026

Q: Is Gbt a safe place to deposit money?

Yes, Gbt is considered a safe financial institution. With a Texas Ratio of 22.955980700807%, the institution's financial health is rated as stable. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

Q: How many branches does Gbt operate?

Gbt currently maintains approximately 13 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Gbt does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Gbt provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare Gbt rates to other rates in our database, including 12-month CD rates currently at 3.70%, 6-month CD rates at 0.75% and 3-month CD rates at 1.00%. Savings rates are at 0.25% and money market rates are at 0.60%. Mortgage rates on 30-year fixed loans are around 5.90%. All these rates can be compared to Gbt rates. MonitorBankRates evaluates the financial stability of Gbt with a 5.0 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 22.96%. Rates were last updated on 04/23/2026.

Gbt money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Gbt? Share your experience about Gbt by leaving a review below, or read customer reviews before you decide to use Gbt.

Overall Health & Safety Grade

B+

Good Health Score: 89/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

22.96%

Good Higher than avg

Gbt

1246 S 3rd St
Gibsland, LA 71028

https://www.gbt.bank

Current Rate Availability

We do not have Gbt rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Gbt is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Gbt rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Gbt's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Gbt

Bank Holding Company GIBSLAND BANCSHARES INC

Address 1246 S 3rd St, Gibsland, LA 71028 · Bienville

Website https://www.gbt.bank

FDIC Certificate # 16689

Established 04/15/1948

FDIC Insurance Date 04/15/1948

Domestic Offices 13

Total Branches 13

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B+

Overall Health Grade Score: 89/100

5.0

Exceptional Out of 5.0 Stars

22.96%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3364%

Return on Equity (ROE) 12.3000%

Non-Performing Loans (NPL) 0.91%

Total Assets $586,150,000

Total Deposits $477,675,000

Equity Capital $86,560,000

Net Income $5,997,000

Headquarters Gibsland

Total Offices 13

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Gbt

Is Gbt a safe place to deposit money?

Yes, Gbt is considered a safe financial institution. With a Texas Ratio of 22.955980700807%, the institution's financial health is rated as stable. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Gbt operate?

Gbt currently maintains approximately 13 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Gbt does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Gbt provides members with tools to manage their accounts and build a solid financial history.

Does Gbt offer online and mobile banking?

Most modern institutions like Gbt provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.gbt.bank.