Question 1

What is Exchange Bank and Trust Company?

Accepted Answer

Exchange Bank and Trust Company is a community-focused commercial bank serving central Louisiana with approximately $184 million in total assets. Operating four full-service offices in Natchitoches and surrounding areas, the bank provides comprehensive financial services to individuals, families, and businesses. With over 130 years of continuous operation, Exchange Bank maintains its identity as a hometown institution while offering modern banking technology and services.

Question 2

When was Exchange Bank and Trust Company founded?

Accepted Answer

Exchange Bank and Trust Company was founded with an initial capital of $10,000 in the late 19th century, making it one of Louisiana's oldest banking institutions. The bank has served the Natchitoches community for over 133 years, establishing itself as a cornerstone of the local financial landscape.

The name was changed to Exchange Bank and Trust Company around 1964 when the bank added a trust department to better serve customer needs. As the bank expanded its services, the original building proved insufficient and was demolished in 1971 to construct a larger facility. In 1984, a 5-story addition completed the landmark structure that stands on Front Street today, serving as the bank's headquarters and a prominent feature of downtown Natchitoches.

Question 3

Where is Exchange Bank and Trust Company headquartered?

Accepted Answer

Exchange Bank and Trust Company is headquartered at 700 Front Street in Natchitoches, Louisiana. Natchitoches is located in central Louisiana and holds the distinction of being the oldest settlement in the Louisiana Purchase territory, founded in 1714.

The headquarters building is a distinctive 5-story structure completed in 1984, serving as a landmark in the historic downtown district along the Cane River.

Question 4

Where does Exchange Bank and Trust Company operate?

Accepted Answer

Exchange Bank and Trust Company operates four full-service branch locations across central Louisiana. The bank maintains offices at 700 Front Street (headquarters) and 104 South Drive in Natchitoches, as well as a branch at 3580 Highway 28 East in Pineville, Louisiana.

All locations offer full-service banking with deposit products, experienced loan officers, and comprehensive commercial, residential, and consumer lending options. The bank serves customers throughout Natchitoches Parish and the surrounding central Louisiana region.

Question 5

What services does Exchange Bank and Trust Company offer?

Accepted Answer

Exchange Bank and Trust Company provides a full spectrum of banking services including personal checking and savings accounts, business banking accounts, certificates of deposit, and money market accounts. The bank offers extensive lending options including residential mortgages, home equity loans and lines of credit, construction loans, commercial real estate financing, business loans, and consumer loans.

The bank's trust department, established in 1964, provides estate planning, trust administration, and wealth management services. Digital banking capabilities include mobile banking applications, online banking platforms, and Zelle for instant money transfers.

Mortgage services include conventional loans, FHA financing, USDA rural development loans, and VA financing for veterans. The bank also provides refinancing options for existing mortgages. Additional services include ATM access, debit cards, and various business banking solutions.

Question 6

What makes Exchange Bank and Trust Company unique?

Accepted Answer

Exchange Bank and Trust Company distinguishes itself through its remarkable longevity and deep roots in one of Louisiana's most historic communities. As one of the oldest banks in Louisiana, serving Natchitoches for over 133 years, the institution has witnessed and supported the community through more than a century of economic cycles and changes.

The bank's location in Natchitoches—the oldest settlement in the Louisiana Purchase—creates a unique connection between the institution and the region's rich cultural heritage. The landmark 5-story headquarters building, completed in 1984, stands as a symbol of the bank's commitment and stability in downtown Natchitoches.

Unlike larger regional or national banks, Exchange Bank emphasizes personal relationships and local decision-making. Loan officers know their customers personally and can provide flexible, responsive service. The bank's philosophy, maintained for 133 years, focuses on building lasting connections within the community rather than treating customers as transaction numbers.

The bank has grown from $10,000 in initial capital to approximately $175-184 million in total assets while maintaining its identity as a hometown bank focused on serving local needs.

Question 7

What type of financial institution is Exchange Bank and Trust Company?

Accepted Answer

Exchange Bank and Trust Company is a State-Chartered Commercial Bank with Trust Powers regulated by the FDIC and Louisiana banking authorities. As a full-service commercial bank, the institution offers both retail and commercial banking services.

The trust powers, established in 1964, allow the bank to serve as trustee, executor, and fiduciary for estates and trusts, providing comprehensive wealth management and estate planning services. This combination of commercial banking and trust services positions Exchange Bank as a full-service financial institution capable of meeting diverse customer needs from basic checking accounts to complex estate administration.

Exchange Bank and Trust Company

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About Exchange Bank and Trust Company in the United States